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Home My WebLink About03-5804 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil Identification No. 11348 26 South Church Street West Chester, PA 19382 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 EAST 60TH STREET NORTH SIOUX FALLS, SD IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. CYNTHIA J STEINOUR 120 S 30 STREET CAMP HILL, P A NO. 04 - gO'{ eiv~L/~ CIVIL ACTION - LAW Defendant COMPLAINT 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 (20) days after this complaint and notice are served, by entering a written appearance persona.Jly or by attorney and filing in writing with the court your defenses or objections to the claim 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, 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 ELlGffiLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Association 2 Liberty Avenue, Carlisle, P A 17013 7]7-249-3166 10008.034.5913 BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil Identification No. ] 1348 26 South Church Street West Chester, PA 19382 610-696-2]20 Attorney for Plaintiff CITIBANK. (SOUTH DAKOTA) N.A. 70 I EAST 60TH STREET NORTH SIOUX FALLS, SOUTH DAKOTA Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. D3 - SPd{ (J,CJo"L cy~ CYNTHIA J STEINOUR 120 S 30 STREET CAMP HILL, PENNSYLVANIA Defendant : CIVIL ACTION - LAW Complaint 1. The plaintiff is Citibank (South Dakota) N.A., with plaee of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. The defendant is CYNTHIA J STEINOUR, who resides at ]20 S 30 STREET CAMP HILL, CUMBERLAND County, Pennsylvania. 3. At the defendant's request, plaintiff issued the defendant a credit card with account number 4428135024329120 for the defendant's use in making credit purchases and securing cash advances subject to the terms and conditions governing the use ofthe credit card. Attached hereto, made a part hereof and marked Exhibit A is a true and correct copy of the terms and conditions. 4. The defendant accepted the credit eard and the terms and conditions governing its use for the purchase of goods, merchandise and services and/or cash advances from vendors who accepted plaintiffs credit card. In using the credit card, the defendant agreed to comply with the terms and conditions governing its use which included the obligation to pay plaintiff for all the charges made in full upon receipt of the statement or in installments subject to monthly finance charges. 5. The defendant utilized the credit card by making/obtaining purehases of goods, merchandise and services and/or cash advanees from vendors who accepted the credit card. Monthly statements were sent to the defendant which detailed the charges made to the account including finance charges, late and/or over limit charges. The balanee due for the charges made by the defendant including any finance charges, late or over limit charges is $6,7]9.04. 6. Defendant did not pay the balance due in full upon receipt of the billing statements and failed to make the required minimum monthly payment set forth in the the billing statement. As such, defendant is in default of the terms and conditions governing the use of the credit card. 7. Although demand has been made by plaintiff upon defendant to pay the sum of$6,7] 9.04, the defendant failed and refused to pay a.JI or any part thereof. 8. Plaintiff alleges it is entitled to reeovery of attorney's fees from defendant pursuant to the terms and conditions governing the account. Plaintiff's counsel is not a salaried employee ofCitibank (South Dakota) N.A. Plaintiff seeks recovery of attorney fees in the sum of$I,276.62. WHEREFORE, plaintiff demands judgment against the defendant in the sum of $6,7] 9.04, attorneys fees in the sum of$],276.62 and the costs of this action. IL iASSOCIAT~S, P.C. By: ~ -{.-/ . Burto~ Neil, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. -, J (h 'I) =-> -~~ ~j :3 0 ~ ~.}~ ~J ~,! 8 -5 9 r.: ~ ,~ " v H a ~'''J :? ~j .~)._ ~~ t 'I) c. 'I, ~J ~ 0 -6 -g f~-~ ,; :-' CjJ ,~-z E ~ :.-. ~ ~ ,,2 -r. ~ V ;;'; .S ~i 2 y,::3:~ ~ 1) !"J :v ,2 u, "2 VI ,~, 9-SfJ.g ;:J<:<J60 o S -v ;:5 -~2 ~J ~ ~ g '...... '" -;;; c ;,g, ...... 0 ~ ~ 3 g .8 g,"g e, ~ ~ -5 ~ g ~ ~ ~~ -s is 3 ~ ~ ;.-, g Jl ~ ;...-. bll ::1",8." 05 0""; C O..c; ~_c t 3 u.i!51::o- o E-': v ,-'~' E u g-c....~8~E~g '/l -' Ul:::l ~ ~ ~. 8 ~ ~. ~ c 3 u ou . '...... 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This fee wm be added 10 me purchase balance wi!h lhe balance transfer. The balancs (rarlSfef Iransaction fee may cause Ihe annual percenlage rale on l11e bilffilg stalemenl on which ~le barance Irallsler first ajJpears 10 exceed 1119 nominaf annual percenlage rale. lafe Fee: We will add a Jate lee 10 Ille standard purchase balance for ~ach billing period you laillo make Ihe minimum paymenl by its dva dale. This lale fee will be: $15 on balances up 10 $100, $25 on balances of $100 up 10 $1000, and.$35 on balancesofS10Cl0andovec . Han-Acceptance Instructlon.s: ),' you do nol wish \0 accepllhese changes, you musl rolily vs in writing wilhin 26 day. .tc_r the Stat.menU Cla.ln; date IndIcated" on your AUll'u.t billing . l.t..lT\tml slaling your llo(l-aCceplance. Include your name, add/ess, and account number and maIl 10: Cuslomer Service Cenler, P.O. Box 44121, Jacksonville, Florida, 32231-4121. (fyou nomy us lhat yov do nol accepllhese new lerms, you can continue 10 vse yovr card(s) under your exisliflg lerms unlR lhe end 01 your currenl membership year or 1t16 expiralion dgle on your card(s), whichever is laler. AI lllal lime your account will be closed and you will be able to p,:!y off your remaining balance under your currenllerms. Fcr more del ailed inlormation aboul your currenllerms, plt/ase refer 10 your Cilibaf'lk Card Agreenienf as amended by any prior change in lerms nolices_ 1'010105 02UOIOhba''''C~Oolo:>lal.NA, 01ROO' M~fOIC m ~ .;!! In !--.~I Iii lli'C <V.C m jg ;; .Ql -; '- U.s ~ iT- :g C <tJ ..f: :...... 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Card Agreement to subslitute' Ihe lollowing provisiOns regarding lhe delavll rale. the transaclion leB rOf balance Ira(lsfe/s, and Ihe lale fee for lhe COfresponding ones in your B:o:isling Cilitlank Card Agreement. When applicable, lhese changes win appear an your September 200 1 billing 5.lalemefll. We encovrage you 10 read Ihis notice and save it Jor fulure relerence. VlI"lablit Annual Percentage Rale. for Purcha.es 8nd c..1i AdvanceSI The allfllJaf perceotage rele 10( purchases and cash advances may also vary if you deraull under any CJUbank Card Agreement bgcsuse you fail 10 mak.e a payment to us 0( any othar Cledilor when due, )'Ou exceed your credil line, Of you m<lf(e e paymenllo us Ihal is not horored by you, bank. In svch CitCurrtslances, ~ may increase l/'le ANNUAL PERCENTAGE RATE (includirlg any prOl'Tlolional rale) on aU bafances 10 a defaullls/a 01 up 10 24.99"_. Faclors COllsldered in delermining Ihis defaultlale may inClude Ihe length 01 ome !he ac.coun\ has been open, Ihe axistence, seriousness, and liming 01 Cillbank C;ard Agreement dehiulls, Bf1d olher indicalioos 01 account usage and perlormance. The incre,ase in ,Ihe variable annual percentage .rale as described in this parag-'aph lakes ellfc'G1 as 01 Ihe nrst day oltne biDing period in which you defaull. Your accounl may again becOmll' eiigible lor a lower annual pefcen.lllga r.ala on new purchases, new cash advances, or both aller you have mll'llhe lerms 01 all Cltibs(lk Card Agraemanls:, fO( six cons8cuflve monlh~. Your 8xisling bstance$ wm ramain subJecllo lhe delaull rale Wlfillhey ara paid In full. 1J\ ~ III C c:: t1I "'" 11l~ E g .8E1G -EC:E2~ 01 ~'3.~ Ef'-2 ._'-C .~ g> -g \ C aU) ~ .~ ~ ~5:f o ~ -- g? QJ <:ii >- ell C ~ ~ c:: 0 ~ c 'x W OJ E 03:..... Q~-~QJ~.s~ -ocfllgM=Q):35::;~ :::l -; C >--0 tf. Eo '- n:I 0 ~::Stl"~~xa.>'~E>- .......c.:._ :::l\UW:>.~:Z:: ~",.:gUl~;:;-atl"Oa. 0 c ~' III QJ (lJ 5 ~ ~ ~ l: (J .;;; Lei __ ~'- O~:;JC-oNO~:V.!!!~ ~EcQl(tfOC"'E..oE..!!!(tfvi U Ql E _co 0 ro '- U E = 6 E ~ E ~ ~ 0 E w ~ '- ~::~~;g~~~c~~~ r:: <lJ ..... III '- a.. -- >- <lJ .- C ov gcn ~ 2 III ',:::..c co L.... Q.lCOllJgg.d--3i3~~~ u..c.c_wiij~o:s~~~ t: ~-=I"'5-Q..c-- 0-=02 0 2 E;1a;~gC3:g ~ >-... U >. c...;;l+-N- c.=-o~~11l Iilcoii~triB~cv5="O 3~Inl...g.-~8gg.'33 m- :l"llI'~"""cOJcoc~ C ~~ ~ g. c:; ~ ~ :::l c: ou o"ON::J=282 Z g~{g ~ ~g g,3{g icl21 (~! _0 U o i 2 o ::; ~ ~~ .; % 1 i3 o o ~ @ o o o ~ ~ ~ o o ~ o "- Verification Jennifer Sisson is an attorney management specialist for Citibank (South Dakota), N.A. and Citicorp Credit Services, Inc., wholly owned subsidiaries of Citigroup, the within Plaintiff in this action. She verifies that the statements of faet made in the foregoing Complaint are true and correct to the best of her knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: (0 7 if~ (9..e~juy)6'rv CYNTHIA J STEIN OUR 4428135024329120 10008.034.5913 .,::J p -(Q. It- ~ .~ ..... - 0 ~ ~ r-- () - c Cl b - tfd 7'" w ('- "u,-:j 2: " D'li'~ C':) '-4 -.:) Z ,,"- ~T' L.':': r:;'i~ ..,., -ft 0'" I ,-- .,-."., i~ .r:- ;:y ".. ::-~~(.) -....... ~- . 'f ~. ,~) :Ii p' , 6 ,'-0 L <j;"n ....., ~-=-.. ~. .c' .s::- ::n -< SHERIFF'S RETURN - REGULAR CASE NO: 2003-05804 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK SOUTH DAKOTA NA VS STEINOUR CYNTHIA J ROBERT BITNER , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon STEINER CYNTHIA J the DEFENDANT , at 1918:00 HOURS, on the 6th day of November, 2003 at 120 S 30 STREET CAMP HILL, PA 17011 by handing to WILLAIM NOLL 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 18.00 10,35 .00 10.00 .00 38,35 So Answers: .~~C'~,,~~~ R. Thomas Kline 11/07/2003 BURTON NEIL Sworn and Subscribed to before me this /'f ~ day of BY-~ J:~ .~. ,A Deputy Sheriff ~_ :J ov.3 A.D. ()."M' CJ, fJ1~ - ~ I Prothonotary CITIBANK (SOUTH DAKOTA) N,A" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. civil Action - Law CYNTHIA J. STEINOUR, Defendant No. 03-5804 civil Term NOTICE TO PLEAD TO: Plaintiff, Citibank (South Dakota) N.A. and its attorney, Burton Neil You are hereby notified to file a written response to Defendant's enclosed new matter within 20 days from service hereof or a judgment may be entered against you. Respectfully submitted, KEEFER WOOD ALLEN & RAHAL, LLP Dated: ll/l}.t!o] By: ~~ ....... Bradford Dorrance I.D. No, 32147 210 Walnut Street P. O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 ATTORNEYS FOR DEFENDANT CITIBANK (SOUTH DAKOTA) N,A., IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. civil Action - Law CYNTHIA J, STEINOUR, Defendant No. 03-5804 civil Term ANSWER TO COMPLAINT WITH NEW MATTER 1-3, Admitted with qualification. Defendant's name is Cynthia J. Noell. 4-6. Admitted in part; denied in part. Admitted that defendant used the card; denied that she owes the alleged balance and accrued interest and proof is demanded, 7-8. Denied. Plaintiff has paid roughly $1,200 on account of the alleged debt, Pursuant to the Fair Debt Collection Practices Act, defendant requests verification of the debt and a breakdown of all payments and charges. WHEREFORE, defendant respectfully requests that the complaint be dismissed with prejudice, with all costs taxed against plaintiff. NEW MATTER 9. Pursuant to the Fair Debt Collection Practices Act, defendant disputes the validity of the debt alleged in the complaint. 10. Plaintiff has failed to comply with governing Pennsylvania law, including Act 6, Act 91, and/or the Fair Debt Collection Practices Act, 11. Defendant objects to the complaint based on improper venue. The cause of action or transaction arose in Grantville, Lebanon County, where defendant currently resides. 12. Defendant defends the complaint based on such other reasons as will become apparent during discovery or at trial. WHEREFORE, defendant respectfully requests that the complaint be dismissed with prejudice, with all costs taxed against plaintiff. Respectfully submitted, KEEFER WOOD ALLEN & RAHAL, LLP Dated: It l-LLil cry By: ~ ~~n~~Z- Bradford Dorrance I.D. No. 32147 210 Walnut Street P. 0, Box 11963 Harrisburg, PA 17108-1963 (717) 255-8014 ATTORNEYS FOR DEFENDANT 2 CERTIFICATE OF SERVICE I HEREBY CERTIFY that I am this day serving true and correct copies of the foregoing document upon the person(s) and in the manner indicated below: First-Class Mail. Postaqe Prepaid Addressed as Follows: Burton Neil, Esquire 26 South Church Street West Chester, PA 19382 Dated: l! (1. tt.! 6'J ~.s)~ Bradford Dorrance <::) q' w ~ ~:tJ" n I ~~ " ..... :% ~.;.j ~ a~ C;A ~ BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attomev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CIVIL CYNTHIA J. STEINOUR Defendant: CIVIL ACTION - LAW Motion of Plaintiff for Partial Judgment 011 the Pleadings Now comes plaintiff by its undersigned attorneys, and moves this Honorable Court pursuant to Rule 1034 of the Pennsylvania Rules of Civil Procedure, for judgment on the pleadings and in support thereof states: I. Plaintiff filed a complaint against defendant for the crl~dit card account balance due it. 2. Defendant filed an answer with new matter to the complaint effectively admitting liability for part of the relief claimed by plaintiff. 3. Plaintiff filed a reply to new matter. 4. The pleadings are closed. 5. Based on the effective admissions in defendant's answer, plaintiff is entitled to judgment thereon as a matter of law. Wherefore, plaintiff moves this Honorable Court for judgment on the pleadings. BURTON ~?IL & ASSOCIATES, P.e. :~" Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. " ....., c::;., <ceo ~!:.- :;,,,", c-.:=:, G; 1 V~) -,;) c...) N v:; . .. BURTON NEIL & ASSOCIATES, P .C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CIVIL CYNTHIA J. STEIN OUR Defendant: CIVIL ACTION - LAW Plaintiff, Citibank (South Dakota), N.A., by its counsel, Burton Neil & Associates, P.C., hereby replies to defendant's New Matter as follows: 9. Denied. The allegation sets forth no material facts in a precise and summary form as required by Rule 1019(a). To the contrary, the allegation is a conclusion oflawto which no responsive pleading is required. By way of further response, allegations of Fair Debt Colleetion Practices violations, 15 U.S.C. S 1692 et seq. are not a defensl: to a creditor's claim. 10. Denied. Plaintiff incorporates by reference the averment of paragraph 9 above. 11. Denied. Pursuant to Pa.R.C.P. 1006(e), improper venue shall be raised by preliminary objection and if not so raised shall be waived. Thus, the allegation requires no response from plaintiff and shall be denied pursuant to 1029(d). 12. Denied. No facts were plead. Thus, the allegation requires no response from plaintiff and shall be denied pursuant to 1 029( d). PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER BURTON NEIL & ASSOCIATES, P .c. /7 ~~ BY: ...... ~Oh e, E quire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 6]0-696-2120 Attornev for Plaintiff CITlBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CIVIL CYNTHIA J. STEINOUR Defendant: CIVIL ACTION - LAW Certificate of Service Burton Neil, Esquire, being duly sworn aceording to law, deposes and says that he is attorney for plaintiffCitibank (South Dakota) N.A., that he served a true and correet copy of plaintiff's Reply to New Matter on defendant's counsel by first class U.S. Mail, postage prepaid on the date set forth below. on Neil, Esquire Dated: In making this communication, we advise our firm is a debt collector. (') <:;: , ~~~; i"; .. '" C:-c";) s;: "'" c= (;-;, I \j::J ~ c...) N W BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff v. CYNTillA J. STEINOUR AUG 0 9 2004 i IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA NO. 03-5804 CIVIL Defendant: CIVIL ACTION - LAW Motion of Plaintiff for Partial Judgment on the Pleadings Now comes plaintiff by its undersigned attorneys, and moves this Honorable Court pursuant to Rule 1034 of the Pennsylvania Rules of Civil Procedure, for judgment on the pleadings and in support thereof states: I. Plaintiff filed a eomplaint against defendant for the credit card account balance due it. 2. Defendant filed an answer with new matter to the complaint effectively admitting liability for part of the relief claimed by plaintiff. 3. Plaintiff filed a reply to new matter. 4. The pleadings are closed. 5. Based on the effective admissions in defendant's answer, plaintiff is entitled to judgment thereon as a matter of law. Wherefore, plaintiff moves this Honorable Court for judgment on the pleadings. BURTOT & ASSOCIATES, P.C. , BY7-~__ Burton Neil, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. BURTON NEIL & ASSOCIATES, P.e. Burton Neil, Esquire, Id. no. 1\348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITillANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA v. NO. 03-5804 CIVIL CYNTHIA 1. STEINOUR Defendant: CIVIL ACTION - LAW Plaintiffs Memorandum of Law in Support of Partial Judgment on the Pleadings Against Defendant I. Facts and Procedural History Plaintiff filed a complaint against defendant to recover the balance past due on a credit card aceount. Defendant filed an answer with new matter. In the answer defendant admitted plaintiff issued her a credit card with terms and conditions as per Exhibit A. Defendant acknowledged using the credit card but claimed she paid "roughly $1,200 on account of the aJleged debt." Plaintiff contends defendant effectively admitted aJI but $1,200 of the baJance. The pleadings in this action are closed. The matter is before the Court on plaintiff s motion for judgment on the pleadings under Pa. R.C.P. 1034(a). Plaintiff believes that entry of partial judgment on the pleadings is proper under Pa. RC.P. 1034(b). II. Question Presented Whether plaintiff is entitled to partiaJjudgment on the pleadings under Pa.RC.P. 1034 (a) for the sum of$5,5I8.62 where defendant's response to the complaint set forth no facts denying liability to aJI but $1,200 of the amount set forth in the eomplaint? III. Argument A. Standard for Decision of Motion Pa. RC.P. 1034 provides: (a) After the relevant pleadings are closed, but within such time as not to unreasonably delay the triaJ, any party may move for judgment on the pleadings. Note: Oruy the pleadings between the parties to the motion for judgment on the pleadings must be closed prior to filing the motion. (b) The court shall enter such judgment or order as shall be proper on the pleadings. "The motion for judgment on the pleadings should be granted only in clear cases, which are free from doubt, and where there are no issues of fact. The deciding court should grant judgment only where the case is so clear that a trial would clearly be a fruitless exercise." 6 Standard Pennsylvania Practice 2d Section 31 :45 and the cases cited therein. Even under this stringent standard, plaintiff is entitled to judgment since the defendant's answer admitted plaintiffs case. Proceeding to trial despite those admissions would indeed be a fruitless exercise. Given the judicial admissions to be discussed hereinafter, Rule 1034 is proper authority for the Court to grant the relief sought in this motion for a sum less than that claimed by plaintiff, that is, for the amount admitted by defendant. B. General Denials to Factual Complaint Averments Are Admissions Under the Pennsylvania Fact Pleading System. Defendant's answer in paragraph 3 admitted that plaintiffissued her a credit card with terms and conditions as per Exhibit A. Paragraphs 4 to 6 of the complaint averred that defendant accepted the credit card and its accompanying terms and conditions, that defendant agreed to pay plaintiff for all charges including finance charges, that defendant utilized the card for purchases, that plaintiff sent monthly statements, the balance due, and that defendant did not pay the balance in full or make minimum monthly payments. Defendant admitted she used the card and "denied that she owes the alleged balance and accrued interest. . ." Defendant did not respond to the other averments of these paragraphs. Pa. R.C. P. 1029(b) provides: Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an admission. Defendant thus admitted the averments to which she did not respond. Defendant's use of the language "denies that" to these paragraphs followed by the language of the averment of the complaint without any facts plead in opposition to the complaint is a general denial. This is a denial in haec verba. The rule cited in the treatise has been the law in Pennsylvania for many years and has periodically served as the basis for grant of a motion for judgment on the pleadings. See: Sheppard v. Stubbs, 19 D & C 215 (1910); Martin v. Barfield, 66 Pa. D. & C. 321 (1948); Hoffman v. Bozitsko, 198 Pa. Super. 553, 182 A.2d 113, (Pa.Super 1962); Noll v. Hamil, 72 Pa. D. & C.2d 177 (1975). Normally, this response should be construed as an admission to the balance set forth in the complaint as there are no facts stating why the balanee is incorrect. However, defendant's pleading to paragraphs 7 and 8 stated that she paid "roughly $1,200" Taken as a whole therefore, defendant's denial could be read as averring that the sum claimed by plaintiff was not correct and that defendant owes only $5,518.62. Though defendant did not respond to paragraph 8, which pertains to attorney's fees, plaintiff is not seeking attorney's fees in this motion. To the extent defendant's request for verification pursuant to the Fair Debt Collection Practices Act (hereinafter "FDCP A") is considered a defense or denial of paragraphs 7 and 8, it fails for two reasons. First, there is nothing in the FDCP A, 15 U.S.e. 9 1692 et seq. that gives rise to a defense to a creditor's claim. Second, a request for production of documents is outside of the scope of pleadings allowed under Pa.R.C.P. IOI7(a). Based on the discussion above, the averments in the answer have the effect of admissions. The admissions provide the proof of plaintiff's case with regard to the existence of the contract and the breach thereof. While the admissions do not provide a basis for recovery for the full amount claimed by plaintiff, the effective admission that all but $1,200 is owed is binding on defendant. As stated in Packel & Poulin, Pennsylvania Evidence, 2d Ed., Section 127, p. 30: Evidentiary admissions are to be distinguished from judieiaJ admissions. Judicial admissions are not evidence at aJ\. Rather, they areformal concessions in thepleadings in the case or stipulations by a party or its counsel that have the effect of withdrawing afact from issue and dispensing wholly with the needfor proof of thefact. Thus the judicial admission, unless allowed by the court to be withdrawn is conclusive in the case, whereas the evidentiary admission is not conclusive but is aJways subject to contradiction or explanation. (Emphasis added.) In Jewelcor Jewelers & Distributors v. Corr, 373 Pa.Super 536,542 A.2d 72 (1988), the Superior Court addressed the effect of a judicial admission, as follows: A j udiciaJ admission is an express waiver made in court or preparatory to trial by a party or his attorney, conceding for the purposes of the triaJ, the truth of the admission. It has the effect of a confessory pleading, in that the fact is thereafter to be taken for granted, so that the opposing party need offer no evidence to prove it and the party by whom the statement was made is not aJlowed to disprove it. See 9 Wigmore, Evidence Section 2588 (Chadbourne Rev. 1981). It is axiomatic that a judicial admission cannot be contradicted by the party that made it. See Tops Apparel Mfg. Co. v. Rothman, 430 Pa. 583, 244 A. 2d 436 (1968). .' . Defendant's new matter is not a bar to judgment on the pleadings. Paragraphs 9 and 10 plead no facts, and as discussed above, alleged FDCP A violations are not a defense to a creditor's claim. While paragraph II plead facts, the pleading is improper and requires no response. Pa.R.C.P. l006(e) states in relevant part: "Improper venue shall be raised by preliminary objection and if not so raised shall be waived." As such, this averment shall be deemed denied under Pa.R.C.P. 1029(d). The defendant having admitted the allegations of the complaint except the total amount owed, there are no factual issues before the Court which would require a trial for the portion of the amount which defendant effectively admitted. IV. Conclusion Plaintiff submits partial judgment on the pleadings should be entered under Pa.R.C.P. 1034(a) on its behalf and against defendant for the sum defendant effectively admitted to owing in the answer, $5,518.62 and the costs of the action with leave to plaintiff to proceed to trial for the sum not admitted by defendant in the pleadings and attorney's fees. BURTON NEIL & ASSOCIATES, P.C. B . Burton N iI, squire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. BURTON NEIL & ASSOCIATES, P.C. Burton Nei], Esquire, Id. no. ] 1348 ] 060 Andrew Drive, Suite 170 West Chester, PA ]9380 610-696-2]20 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CIVIL CYNTHIA J. STEINOUR Defendant: CIVIL ACTION - LAW Certificate of Service Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is attorney for plaintiff Citibank (South Dakota) N.A., that he served a true and correct copy of plaintiffs Motion for Judgment on the Pleadings, supporting Memorand\1t11 of Law, proposed Order and Request to Submit on Briefs Only on defendant's counsel by first class U.S. Mail, postage prepaid on the date set forth below. Dated: ,;/Wc)( i _LI BUrton Neil, Esquire In making this communication, we advise our firm is a debt collector. t.U ( -; ti~ '- " (~j r.' :iJ ;:,:J.LU ') 1...:........ ~:: .:T " C) (1.'.) (:"~ C'.) ..:>.... ,~-) BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOr A) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CIVIL CYNTHIA J. STEINOUR Defendant: CIVIL ACTION - LA W PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. 1. Marter to be argued: Plaintiff's Motion for Judgment on the Pleadings 2. Identify counsel who will argue case: (a) for plaintiff: BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire ID# 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (b) for defendant: Bradford Dorrance, Esquire 21 0 Walnut Street P. O. Box 11963 Harrisburg, PA 17108 3. I will notify all parties in writing within two days that this case has been listed for argument. /~}~ 4. Argument Court Date: December 8th, 2004 .'----B!Jrton N~squire Attorney for Plamtiff r-...:> ,-'," l~;"'''l \,...,1 C, ':'~ -TJ ..J.. -. , ;:--1 ..'. r', " ...,j.... -1 -r~;' f'~..:; ;-, C:~J -<: en BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire, Id. no. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS v. CUMBERLAND COUNTY, PENNSYLVANIA NO. 03-5804 CNIL CYNTHIA J. STEIN OUR Defendant CIVIL ACTION - LAW Certificate of Service Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is attorney for plaintiffCitibank (South Dakota) N.A., that he served a true and correct copy of plaintiff's Praecipe for Listing Case for Argument on the attorney for the defendant by first class U.S. Mail, postage prepaid on the date set forth below. -, ? Dated: 1,lj t,/ ll'1 Burton Neil, Esquire ---" t-). C c:> c';";';) -\ 1 - - -- ..1:"~.. Ci -~ . .. ' ...;c- ,- , \') ',\ " :-~\ 0 .......::. v' CITIBANK (SOUTH DAKOTA) NA, : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. : No. 03-5804 CYNTHIA J. STEINOUR, aks Cynthia J. Noell, Defendant : CIVIL ACTION-LAW IN RE: PLAINTIFF'S PRELIMINARY OBJEC IONS Before HOFFER P.J. HESS and OLER .J. AND NOW, this 30. day of ~~ , 2005, a er oral argument and upon consideration of Plaintiffs Motion for Partial Judg Pleadings and the Plaintiff's Memorandum of Law in Suppo of Partial Judgment on the Pleadings, it is hereby ORDERED that (1) Plaintiffs Motion for Partial Judgment on the Plea ings is hereby GRANTED and judgment shall be entered against Defendant Cynthia J. Steinour (Cynthia J. Noell) in the sum of $5,51862 plus the costs of this action with leave to Plaintiff to proceed to tr al for the sum not admitted by Defendant in the Answer and its attor eys fees; (2) The caption is amended, sua sponte, based on D fendant's Answer that her name is now Cynthia J. Noell. Aurton Neill, Esquire Edward J. O'Brien Burton Neil & Assoc., P.C. 1060 Andrew Drive, STE 170 West Chester, PA 19380 (610)696-2120 Attorney for Plaintiff w Ge e E. Hoffer, P.J. ~ford Dor nee, Esq ire Keefer, Wood, Allen, & ahal, LLP 210 Walnut Street P.O. Box 1963 Harrisburg, PA 17108-1 ~ (717)255-8014 o~ ~ Attorney for Defendant ~~~ ? ~ 0../ .')...')\- (; ,) '.li I\]}<:~'(" ~:J S \1 : I Pd OS ~ingCQZ ;i .:10 -- ~-_'~'_._"'~'_'_'''._m~_.._~..._. . << BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2 I 20 ATTORNEY FOR: Plaintiff fN THE COURT OF COMMON PLEAS CITIBANK (SOUTH DAKOTA) N.A. Plaintiff CUMBERLAND COUNTY, PENNSYL Y ANIA YS. : NO. 03-5804 CYNTHIA J STEfNOUR aka Cynthia J. Noell Defendant : CIVIL ACTION, LAW Praecipe for Entry of Judgment on Court Order To the Prothonotary: Enter judgment on behalf of the plaintiff, CITIBANK SOUTH DAKOTA N.A., and against the defendant, CYNTHIA J STEINOUR aka CYNTHIA J. NOELL, as per the Court's Order dated March 30, 2005 and assess damages in the sum of $5,518.62. BURTON NE~ ASSOCIATES, P.C. By B:O:t~SqUire Attorneys for Plaintiff And now, this /P+~ day of J~ , 200 ,judgment is entered on behalf ofthe plaintiff, CITIBANK SOUTH DAKOTA N.A. and against the defendant, CYNTHIA J STEINOUR aka CYNTHIA J. NOELL, in the sum of$5,SI8.62. /./ ~J:2..~ Prothonotary of County ~r ~ 0I2.eP7g~/YJ-~- Deputy In making this communication, we advise that this office is a debt collector. , ~ ~14D7 CITIBANK (SOUTH DAKOTA) NA, : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. CYNTHIA J. STEINOUR, aks Cynthia J. Noell, Defendant : No. 03-5804 : CIVIL ACTION-LAW IN RE: PLAINTIFF'S PRELIMINARY OBJECTIONS Before HOFFER. P.J.. HESS. and OLER. J.J. AND NOW, this 30. day of ~ , 2005, after oral argument and upon consideration of Plaintiff's Motion for Partial Judgment on the Pleadings and the Plaintiffs Memorandum of Law in Support of Partial Judgment on the Pleadings, it is hereby ORDERED that: (1) Plaintiff's Motion for Partial Judgment on the Pleadings is hereby GRANTED and judgment shall be entered against Defendant Cynthia J. Steinour (Cynthia J. Noell) in the sum of $5,518.62 plus the costs of this action with leave to Plaintiff to proceed to trial for the sum not admitted by Defendant in the Answer and its attorneys fees; (2) The caption is amended, sua sponte, based on Defendant's Answer that her name is now Cynthia J. Noell. Burton Neill, Esquire Edward J, O'Brien Burton Neil & Assoc" P.C, 1060 Andrew Drive, STE 170 West Chester, PA 19380 (610)696-2120 Attorney for Plaintiff By the Court, Bradford Oar nee, Esquire Keefer, Wood, Allen, & Rahal, LLP 210 Walnut Street P.O, Box 1963 Harrisburg, PA 17108-1963 (717)255-8014 Attorney for Defendant BURTON NEIL & ASSOCIATES, P .C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 6 I 0-696,2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 03-5804 CYNTHIA J STEINOUR aka CYNTHIA J. NOELL Defendant : CIVIL ACTION - LAW Certification of Address and Affidavit of Non-Military Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, I verify that: I. The above are the precise last-known addresses of the judgment creditor and debtor. 2. Pursuant to Section 201(b)(l)(A) of the Servicemembers Civil Relief Act of2003 (SCRA) the defendant is not in the military service of the United States based on information received from the defendant and/or the Department of Defense website. / BURTON NEt & ASSOCIATES, P.e. By: L Burton Neil Esquire Attorney fo Plaintiff In making this communication, we advise that this office is a debt collector. . BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 ATTORNEY FOR: Plaintiff eITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYL Y ANIA YS. : NO. 03-5804 CYNTHIA J STEINOUR aka CYNTHIA J. NOELL Defendant : CIVIL ACTION - LAW Rule of Civil Procedure No. 236 (Revised) on.... Notice is given that a JUDGMENT in the above captioned matter has been ~nte~ against you )';1-,) If>, dCOl.. /'i: ( ~k.~ Prothonotary of County if- '-- ~OA ~ fJ. ~Y?~ Deputy If you have any questions eonceming the above, please contact: Burton Neil, Esquire Attorney for Party Filing ] 060 Andrew Drive, Suite 170 West Chester, PA I 93ilO Phone: 610-696-2120 In making this communication, we advise that this office is a debt collector. (,.- _.~." "'" ~ .... ~ -- , -:-s::> c:: 70 fC (::~~) ~ c'$:.. C> '3,-J '" oJ --- - --v f$ I .)> -.\ ,.. c~ ~ ~...., (,n ? ~ -10 -....; t',; ~ --.,.......\ ~ ~ ~ q;: - ------ --- FI~G-~ ,~>^. F} ,T' ' ~ ~^,"c~tY 2010 J~~~ 28 .' ~= ~ ~ C~~~u~., °r;.:!Ui~Y Burton Neil & Associates, P.C. E'L.~~~."" L~', ~`~'~"~ By Burton Neil, Esquire ID. NO. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK SOUTH DAKOTA N.A. IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 03-5804 CYNTHIA J STEINOUR Defendant :CIVIL, ACTION -LAW Praecipe to Satisfy Judgment To the Prothonotary: Mark the judgment Satisfied . Burton Neil~Associates, P.C. By: _ f ~. `~ ~' ~~'~ Burton eil, Es uire q Attorn y for Plaintiff The law firm of Burton Neil & Associates is a debt collector. T-1407 ~8. oo P Q ATT'~ C~' ~ 8dQ I