HomeMy WebLinkAbout07-6995Leonard A. Sanguedolce, Esquire
Attorney for Plaintiff, CACH, LLC.
Identification No. 204325
Law Offices:
Harrison Ross Byck, Esq., P.C.
15 Public Square, Suite 202
Wilkes-Barre, PA 18701
Phone: (570) 823-0101
Fax: (570) 825-7799
CACH, LLC, IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
Plaintiff
vs. CIVIL ACTION - LAW
WENDY JOHNSON,
LO (0
7 J
Defendant NO.
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 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 ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
800-990-9108
Respectflly submitted,
btM11WLJ_
A - z'31*.'4C'.J
L
eonard A. Sangued ce, Esquire
IMPORTANT NOTICE
If this is your first Communication from this office, please be advised of the
following:
Unless, within thirty (30) days after receipt of this notice, you dispute the validity of the
debt, or any portion thereof, the debt will be assumed to be valid by CACH, LLC. If you notify
me in writing within the thirty-day period that you dispute the debt, or any portion thereof, I will
obtain verification of the debt or a copy of the judgment against you and a copy of that
verification will be mailed to you. Additionally, if, within the previously described thirty (30) days,
you request in writing the name and address of your original creditor, I will furnish you with that
information if that creditor is different than the current creditor (CACH, LLC.).
Please note, that the law does not require me to wait until the end of the thirty-day period
before suing you to collect this debt. If, however, you request proof of the debt or the name and
address of the original creditor within the thirty-day period that begins with your receipt of this
Notice, the law requires me to suspend my efforts (through litigation or otherwise) to collect the
debt until I mail the requested information to you.
Please be guided accordingly.
"This is an attempt to collect a debt and
any information obtained will be used for that purpose."
Leonard A. Sanguedolce, Esquire
Attorney for Plaintiff, CACH, LLC.
Identification No. 204325
Law Offices:
Harrison Ross Byck, Esq., P.C.
15 Public Square, Suite 202
Wilkes-Barre, PA 18701
Phone: (570) 823-0101
Fax: (570) 825-7799
CACH, LLC,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
Plaintiff
vs. CIVIL ACTION - LAW
WENDY JOHNSON, :
Defendant NO. 0 7? G 9 ?3J Ccv?c l
COMPLAINT
AND NOW, comes the Plaintiff, CACH, LLC, by and through its Attorney, Leonard A.
Sanguedolce, Esquire, and files this, its Complaint, against the Defendant, WENDY JOHNSON,
and avers as follows:
1. That, the Plaintiff, CACH, LLC, is a Delaware corporation with its principal place
of business located at 370 17th Street, Suite 5000, Denver, Colorado, 80202.
2. That, the Defendant, WENDY JOHNSON, is an adult and competent individual
who resides at 950 Allen View Drive, Mechanicsburg, Cumberland County, Pennsylvania
17055.
3. That, on or about December 30, 2005, the Defendant, Wendy Johnson was
indebted to Bank One on credit card account number 4266 8410 5120 1224 in the amount of
$10,366.12. A copy of the final statement is attached hereto, made a part hereof and labeled
Exhibit "A".
4. That, on or about January 9, 2006, Bank One assigned the above referenced
debt, for good and valuable consideration, to CACH, LLC. A copy of Certificate of Purchase is
attached hereto, made a part hereof and labeled Exhibit "B". A copy of Affidavit of Sale is
attached hereto, made a part hereof and labeled Exhibit "C".
5. That, pursuant to the cardholder agreement entered into by the Defendant and
Bank One, the Plaintiff is entitled to pre-litigation interest of $7.95 per day from the date of
charge-off which is calculated as follows: 27.99% annual percentage rate x $10,366.12 _ 365
days or $7.95 x 476 days, which equals an additional $3,783.84, reimbursement of costs and
reasonable attorneys fees, in the amount of $1,000.00.
6. That, despite repeated demands by the Plaintiff, Defendant has failed to pay the
sum of $15,149.46 which remains due and owing on the above referenced account.
7. That, the claims raised in the Complaint are subject to an agreement to submit
these claims to arbitration.
WHEREFORE, Plaintiff, CACH, LLC, prays this Honorable Court for Judgment in
favor of Plaintiff and against Defendant, WENDY JOHNSON, for $15,149.96, together with
costs and interest.
Respectfully submitted,
?I enn J A - ?? 06:tcc I - -
Leonard A. Sangue Ice, Esquire
Law Offices:
Harrison Ross Byck, Esq., P.C.
15 Public Square, Suite 202
Wilkes-Barre, PA 18701
(570) 823-0101
Attorney for Plaintiff,
CACH, LLC
VERIFICATION
I, Dawn Rannells , hereby depose and state that:
The language of the foregoing document is that of counsel and not
necessarily my own; however, I have read the foregoing document and
the factual information contained therein is true and correct to the best of
my personal knowledge.
I am the Authorized Representative and a duly authorized representative
of the plaintiff;
The factual allegations set forth in the foregoing pleading are true and
correct to the best of my knowledge, information and belief, and they are
that WENDY L JOHNSON owes the balance of $10,366.12 to CACH, LLC
on previously submitted invoices, which balance is due and unpaid as if
the date of the execution of this Verification.
I am aware that if any of the foregoing is willfully false, I am subject to
punishment.
I understand that false statements made herein are subject to the penalties
relating to unsworn falsification to authorities.
By: OAO?? A
. t 64 I_
Dated:
MAR 0 2 2007
Authorized Representative
Page 2 of 3 Dec 22 2006
statement for nowunt number, 4265 8410 51201224 /?
New Balance Payment Due Date Put Due Amount Wtimum Paymert CHASE
$10,567.12 12(am 51,657.00 $3,590.12
Arnourd Enclosed $ Nrca.a?a k ppaayyr to Chose GN 9wrkw.
e-meYT Print on bade
426684105120122400359012010667120000009
ism EX2Raceo I..JI1.6,11.1.11.1.11IisBible 1t16111u1III$I11u111aIlul
w HNSON
BCX 233
,3& HAM PA 17027-0203 CARDMEMBERSERVICE
PO BOX 15153
MLMINOTON DE toee"iw
I,JllmIll...mJ1.M11....JJ.111s1.11011111selLL II
1: 5000 460 2a1: 203 i0 5 1 20 12 24 5110
Statement Deb: I IWOS - 12101106 CUSTOMER SERVICE
CHASE Payment Due Dsta: 12MM in U.S. 1-800.848-2001)
Payment pue S3,5110 12 Eapaltoi 1-888.4463308
TDO 1-800-9%am
Outside U_S. call colect
i-m--sm-amo
VISA ACCOUNT SUMMARY Account Number; 42)60 9410 5120 1224 ACCOUNTNOVIRIES
Pravlow Balance, 510,354.41 Total Cretbt Line $9,000 PA. Bar 15298
DE 19850 5298
w1MnIn0?n
Purchases, Caah. Debits .574.00 Avalable Credit .
yo
Finance Charges 4SM71 Cash Aocesa Um $1.1190 PAYMENT ADDRESS
Now Baran 10 687.12 Available br Cash $0 P.O. Bar 15153
VNtningtm, DE 19888.5153
VISIT ,=1 nvcmarAris
VALUE MILES SUMMARY Totodso ,your miles cab 1.900.603-2206, or
Prevlous miles balance 0 log on to www.ChopoaMyP4wsrda-can tw
Was. semed en Puchases this parsed 0 24•hwr ooovq to your rvwarde pmgram-
New total miles bslerns 0
TRANSACTIONS
Trans Amount
Dab iieference Number Merchant Name or Transaction Deeorlplion Crom Debit
11/27 TE FEE 39 Co
11/02 OVERUMIT FEE 36.00
FINANCE CHARGES
Doty Periodic Rate Coneeponding Average Day Salanoe Fvlance Charge Ous Transaction FINANCE
Catsgoy 30 days in cycle APR To Periodic Rene Fee CHARGES
P61whases V .074589°6 Z7.9^ S496.86 S11.41 $0.00 $11,41
Cash advances V .07860% 27.9976 $13294 $3.00 30.00 $3.06
Gonverltenpe d wak V .076w96 77.96% $5,199,34 5188.05 $0.00 5186.66
Dwane*tranoter V .07569% 27,92% Si1546.68 515.59 $0.00 536.69
Promolbna 01094% aso% 190.04 160.00 $0.00 $0.00
Prornollions .01368°,. 4.99% 39.05 5100 50.00 50.00
Toth fklartce chatgee 5238.71
EMoctlve Annwl Peragntoge Rets (APR:: 27.09%
Plates see roverso, aide for balance computation matllod, grace parlod, and other Important Inbrmatlan.
The Corresponalrlg APR Is the rare of Interest you pay when you carry a balance an any transaodon calerlory.
The Etfaotve APR represents your total finance charges • incJkiding Variegation, fees
such ma cash advance and balance banabr fees • espratstxl as a percentage.
IMPORTANT NEWS
Pay today. log on to
ww W .chgss.ooWd redl a rd s
Wo fast, secure, and Ireel
This Statement is a Facsimile - Not an original
X 0700001 F160o= p6 090 N t 61 061"t p.a. 1 d 1 068" NA VA tcMa 31S1aoooosowtssmt
EXHIBIT
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Page 3 of 3
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Dec 22 2006
CERTIFICATE OF PURCHASE
Dawn Rannells , hereby depose and state that:
I,
1. I am an Authorized Agent of CACH, LLC, a Colorado Limited
Liability Company.
2. As such, I am authorized to give this Certificate, and possess sufficient
personal knowledge to do so regarding:
Customer Name: WENDY L JOHNSON
Original Creditor: Bank One
Account Number: 4266841051201224
3. On or about Tanuary 9, 2006 this account was issued by the original
creditor. CACH, LLC is the current owner of the account and
purchased the account for good and valuable consideration.
Date: MAR 0 2 2007
I
By:
Sworn and subscribed to before me this day of
2007.
Notary Public PRUDENCE TINBERG
NOTARY PUBLIC
STATE OF COLORADO
My Commission Expires: My Commission Expires 05/03/2010
EXFf161
?? ?i
CHASE ! i
AFFIDAVIT OF SALE
STATE OF: TEXAS
COUNTY OF: BEXAR
1. I, Elizabeth J Ranft-Garcia, am the Bank Officer of Chase Bank USA, N.A. and
am authorized to make this affidavit on behalf of Chase Bank USA, N.A.
2. WENDY L JOHNSON had a credit card account with Chase Bank USA, N.A.,
account number 4266841051201224. The account was sold and transferred to
CACH, LLC, on or just prior to 1/9/2006.
3. At the time of the sale to CACH, LLC, the amount pursuant to the terms of the
cardholder agreement between Chase Bank USA, N.A. and WENDY L
JOHNSON was $10,741.12.
4. Your deponent states that to the best of deponent's knowledge, information and
belief that there was no unaccredited payment, just counterclaims or offsets
against the account when it was sold.
5. Your deponent acknowledges that in making this affidavit that CACH, LLC is
now the owner of said account, and authorized to collect, settle, adjust,
compromise and satisfy the same and that Chase Bank USA, N.A. has no further
interest in said account for any purpose.
Chase Bank U A MA
By
Elizabe J Ranft-Garcia
On MAR 1 2007 , 2006 before me personally appeared Elizabeth J.
Ranft-Garcia who being sworn stated he/she was authorized on behalf of Chase Bank
USA N.A to execute the within affidavit.
twlp?l a-CL
EXHIBIT Notary Public
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-06995 P
,COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CACH LLC
VS
JOHNSON WENDY
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
JOHNSON WENDY b -
F-unable to locate Her in his bailiwick.
COMPLAINT & NOTICE ,
u was
He therefore returns the
the within named DEFENDANT , JOHNSON WENDY
NOT FOUND , as to
950 ALLEN VIEW DRIVE
MECHANICSBURG, PA 17055
PER POST OFFICE, DEFENDANT LIVES IN HARRISBURG.
Sheriff's Costs:
Docketing 18.00
Service 9.60
Not Found 5.00
Surcharge 10.00
00
4
So answer
R. Thom ,(s Kline
Sheriff of Cumberland County
JOHN RODGERS
12/07/2007
Sworn and Subscribed to before
me this day of
A. D.