HomeMy WebLinkAbout07-7778IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
HARRY R HARVEY SR
Defendant
No : 07 - 7778 Civil
T rrn
COMPLAINT IN CIVIL ACTION
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
06077479 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
HARRY R HARVEY SR
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 b 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:
HARRY R HARVEY SR
6952 WERTZVILLE RD
ENOLA, PA 17025
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5417127210244957 .
4. Defendant made use of said credit card and has a current balance
due of $6241.14 .
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 Defendant will pay Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to $300.00
8. Plaintiff is entitled to interest at the statutory rate of
6.00% per annum from December 11, 2007.
9. Although repeatedly requested to do so by Plaintiff,
Defendant has willingly failed and/or refused to pay the principal
balance, and accrued interest or any part thereof to Plaintiff.
WHEREFORE, the Plaintiff prays for judgment against Defendant,
HARRY R HARVEY SR, individually, the amount of $6241.14 with
continuing interest thereon at the statutory rate of 6.00% per annum
from December 11, 2007, plus attorneys' fees of $300.00 and costs.
James C.
WELTMAN
436 Se e
Pitts r
(412) 43
(41 33/
n1W 0 6 0J7
/w rmbrodt, 42524
/ W INEERG & REIS CO., L.P.A.
nt Avenue, Suite 2178
g PA 15219
4 7955
-7130
7479
This law firm is a debt collect Vtained tempting to collect this debt for
our client and any information will be used for that purpose.
Page 1 of 2
Statement for account number: 5417 1272 1024 4857
New Balance Payment Due Date Past Due Amount Minimum Payment
56,059.04 05/12107 $682.00
$7,965.04 a
Amount Enclosed I$ Maka your emaek pryable to Chas C. Berviaaa.
Naw aaoroaa a a-m W? 'nl on back.
541712721024495700196504006053040000006
2+1336Ex 21W0)c LrrIII,LJrrll irr611LrrLLrrrllrlrlrlrlLJJr.rllrrllrrl
6962 WE R HARVEY SR
EN OLPIT 71 10R9D7
CARDMEMBER SERVICE
PO Box 15169
••• ..- _ _ WILMINGTON DE 19686-6163
45000L60281: 22272L024495711P
OPMmO`Cesing Date' "'07.04/17'07 CUSTOMER SERVICE
Payment Due Date: 06`12'07 In U .S. 1.801-224-2884
Minimum Payment Due. $1,865.04
ED fid 1-888-446.3308
T DD
Pay by Phone 1.800.496.7958
utNde
U.S. can collect
MASTERCARD ACCOUNT SUMMARY A
.302
59
ccount Number: 541 4.6200
•
7127210244857
Previous Balance
Purchases
Cash
Debit $6,862.61 Total Credit Litre ACCOUNT INQUIRIES
000
$5
,
,
s
Finance Charges +$99.00
+$161
49 Available Credit ,
P.O. Box 15288
00
N
B
l . Cash Access U. Wfimtngbn, DE 19850-5286
0
$1
ew
a
ance 9 '??
' Available for Cash
,
0
$O
PAYMENT ADDRESS
$
P.O. Bar 15159
Wilmington, DE 19888-6163
VISIT US AT:
119Yw chase--??
Y
a re" ou haven1 mate tte required payments and your credit card account is 90 days past due. Ae
la your craft bureau may be updated with a negative marg. Please send your pa
Immediately or call us at 1-906956-8090 (collect 1-902-594.6200) today. yment
BJ'S BUCKS REWARDS SUMMARY Earn up to 5500 every year
Prevbue rewards balance $0.00 redeemable at BJ's.
Rewards earned on Partner purchases at 1.5% SD 00
Remaining balance 50.00
Total earned this yes, $0.00
TRANSACTIONS
trans
Dale Reference Number Merchant Name or Transaction Amount
Description
04/11 Credit Debit
?
.00
FINANCE CHARGES
rge
o
Daily Periodic Rate Correep. Average Deily Balance Finance DDue T
Category 91 days in cycle APR
Purchases V .08217°.6 29.99% Periodic Rate
$4,665.47
Cash advances $118.85
V,06217% 28 9l. $1,278.80 $3256
Total finance charges
Transaction Accumulated FINANCE
Fee Fin Charge CHARGES
50.00 $0.00 5118.85
50.00 50.00 532.55
$151.49
Effective Annual Percentage Rate (APR): 29.99%
Please we Information About Your Account section for balance computation method, greoe pedotl, and other important information.
The Corresponding APR is the rate of interest you Pay when
any transaction category.
YOU The Effective APR represents your total finance charges carry a lion f ewe
such as cash advance and balance hansier lees - expressed • Including na. ees
ed as ea a a Pereentsgmbge.
This Statement is a Facsimile - Not an original
X--00001 F1933MC, 002 N 2 t) 0).W/17
P.O. 1011 oerte MA NA 2133 10]1000003ppw+la301
https://instantimage.bankone.net/Star/isp/PiintDirectly..jsp
;r
EXHIBIT
6/12/2007
Page 2 of 2
Address Change Request
Prue PAChAds information below only if g» address information on front is incorrect.
Sheet Address: -----
-------------
Clty:
State. --
Zip: -----
Horne Phone: --- ---
Work Phone. --_
E-mail Address:
L
Islarwutlee Atilt Yaer Ammet
Led Se stales COW please won data MAY ace posted to your account or the lost day of IT billing cycle This lost
Of 3 +.? coding Me Customer Service number lfountl on the hMan oed d your aaaemwq iergrvaeo. If a daily Ow W Periodic We defy balance, A emdit balance is treated as a balance of
Advimrs An Always available to assist YOU. You an reach an Advisor balms the doily applies o arty fytwa, w0 mdppy gN defy
pressing 0 titer you Mier your account number
that day. WeMMen atldds Massmedic firNP your Periodic na da ee oha?aW tl
u
bo
= CnrMITMy PSyeash:FOrprymems by reuU.S.mag to , sera at lees)
mown on lfgs 7Wrrnent per the gkvdrp balance filar the nevtdry. (Ifmwe Man orw tlaNily periodicnce
sh Drymmt due b our poet sAby but deslenateit for payments MIA could apply based on AN wmge daily balance we wall use the daily
?¦ . Your Payments by Mail most amply with the ponodic rate cost applies la NO 114191 daily bone; amount at gN and of
instructions an Ilea statement. and must be ride by cock ar may order, Me billing cycle to akulate the dally
Payable in U.S Dollars. and drawn n or payable arge for finance charge weach day.)
hen a d
trlathullon or the U.S. branch of a forego fi l miturtion. DUS. finind.1 TO get o not send pis diie mac(e) apples, we ifinance n of ode ter a riling eyrie Awn a drily
ash. WON your soconl number on your cock a money order, Paymenta 9e daily balance fNOrn To delannms an averbnnce daryss am. forall
_ most be accompanied by The ustb , we add your dry balances
t_as our address visible through Opjpnmt N errvsgpeowindow; Meemelopeoaanno ?h?N?avMuagee daffy bW?nce?mr etcahfutureby ON cylicabl doily
!! anlen more than one payment or mupen; and ft. can be nos
ayI by wither at daily
paper dips, tape or caryParldace included with Your P.M.M. If your M a c Mrs. Ali Ion MW" ooh of aad aresults ll of by ga rnunher of drys
payment is in amordkce with our Payment iwill aim equal Wi the mp Periods), and No add s of for the ft bbillibillimutts cocadgee, , Ex t adapt
wal o
dodcMusa dNrpelabte to w an any ay Except December 2 25 by
b r by 100 ptionam. 10and41 is lens ma of r fo for rd minor orva8taoidpona due to
our pat office but aaigrated forosym ms, an this statement . m will credl for a Ming cycle when a rouroft. mOrd YyTPe iio6e Met s) Applies. mutpllyystthhe
wiooprymeMtoyouraeaurtaeofdietday. IfyourPaymantlonamwtlanm awragedoiybalance foreach factor@byill@ eabloMonthypmbdicou
Payment iitruedons, but is made available o us after 1:00 p.m. arts Bud ate results ogelher. The total wiN Equal the periodic Nina Merges
local lime at our post office hex designated for peyvnwas an this suummi, for pit billing cycle, except for minor miations due to rouxhg.
w TAR credit it to oYaw a a account t as of IN am ay. II you do not laow ode Grace Period (at load 21 days):
be delayed UT pat OMW but designated payment not two by regular U.S. mm to
O
We 61cra periodic finence charges on a transaction, lee, or Aince charge
for up to S 5 days Pfor Paymenta made payments, cracking Electroof your nically ElectronicalElectronically Pa Mr web b OW rough ous from the ate it is added to your dry balance until prymnl in lug is
automated telephone dewier . Customer Service or our w received on your amount. However, f do not charge periodic frence
will be tu6jmt to to any Processing times es disclosed s for lot Moan hose payments. site charges on raw, yurohasy billed during a biting cycle D we room$ both
.
Aaw
a lelamatiN Reported is CadN &naas: We may report pent of your New Balance an eau current statement by ON data and
AcToo lien abort your Report to is c bureaus. Lase Your Payment is dos and aim payment of your Now Bence on your informa audit payments or bout doloute on Yaw atom may 6 Payments, missed previous slatement by the ail and rime your payment cat die Then is no
rayon. It you think b have ay reflected in your credit Once period tar balance taalars, cash advances, check transactions. or
report, you may writs to ace at tl o Grdimccur aSenke aadding non 1 haled rat overdmh advances
your rhino stabmanl. la sdditiaa. If Item I$ a "Qualifying Pmmoboad Flaamng• ..all.. se
Notice MM ElsataNlo Creek conversion: Mw You Provide a check as R
this Stalumall, ewiring Balance YOU Will in that section if drum charges an any
u balance fu
PaTment you audodye es either to use Information from your duck to make by die appliabb Expiration Data wrd N Ar an pary gal charges n co gas anin e w
a "-ft# Electronic fund transfer from Vow amount or to process The Er After Balance includes w
PaymaN y A Mork trarwdion When we use Inlomalw from your cock on OwliyNp promotional your Finanph nsection. pry you die ui rrytu t np BSciences) in
make An eledrmvc fur Render. Ina mry be wihdrawn from your minor the total of than RemrniBalance(s) pay
10 account as scan as the mina dry we restive your Payment, and you wi0 at payment is The, Floweret, it your statement shows by the date and a miMrnm time
your
receive your dlea back from your financial nsdru ion. CaA the aatmer ta die, we must race" at leaf gat Minimm Payment by in. date and Time
service nmnbar on this staWnenl it you ban gistionp about Electronic apedhwl an Your statement wen if your New Balance consists orgy of
check collection or de not want your Payments cdNcted electronically. Qatifying Promotional Fuancing balances.
CNUgNSI Paymeate: Any payment cheek or cdwr norm of payment Plot Aso, for some Qualifying Promowo ew Financing beencss, periodic finance
you send w for less gun the full balance due that is marked "Paid in tuts' or design accrue during the promotional period but are not Added to your
anNii a similar notation, or That you otherwise tender in full satisfaction account balance lalo61. they amumuale from billing cycle to bilfine cycle.
of a d handed anwmt must be sent to Card Service, P.O. Boa 15019, This is Memd to as 'deferred increal' It a claimed interest galilying
Wilmington. OE 19950.5019. We rwrve all our rights regarding these PromoGnal Financing balance is no paid in fa by in applicable l:upuatin
aymentx(e.g., it it is dwrmin d there is no valid dispute or it wry such Dab, the deferred fiance charges will be added to your Account as soon as
ch aa t5 ncElVed at any other address, we may Rccept the check nd you The fuel day after the Expiration Date. Further, if you default under the terms
will still owe any nmedng balance). We may refuse to accept any SUM of Yaw CudmwbBr Agreement, the deferred finance charges will be added
payment by returning ft o you, not cashing it or destroying it M otir to your account as roan as da data of default.
Payments gat You make Should be sat to the appropriate payment Address. BIEWNi RIGHTS SulabomY
AeaW Rutwel Ndka•. If your amount his an amyl in, it will be baled In Can of Esters m Oaosdo s Abed Year WD: It you thiM your bill is
Each your or in manthly maWknams, whether or not you use yaw WWI" wrong wif you reed more iMOmabon Abouta transiouss on you bill, write
and you acres to pry it won biped. The annul too I$ non-reftadlbs nine Cardmwbsr Soria an a Saporito suet at P.O. so 15499 Wilmington, DE
yo u notify a awl you wish o dais your account within 30 days of the dote 198503299 as soon as posdbN. We must hear Item you no Ntu Mrs 60
we and your slatelosnl an which IN aMonl In lo charged and at gN Same
time, you pay your outaWidng balance in lull. Your payment of ON annual door after wr ram you bthe ut fit test an wwhich Me error or righm,
lee data not affect our rights o data our you ran talmhea es, but doing w wiA it reserve your appeared.
make Transactions an your aunt 11 yaw amount is closed closed by your you or us' In your letter, give us Do following information. yote
we will comkme Ica charge the must lee until you pry your outstanding • Your none and moues number
Glair m too and terminate your account relationship.
ExplawNN d Raeay CWger We calculate periodic The ddlermefform oftlpgNpaNasin d yoube ,ifyou error
ate a t, aaa atel yes, •Dudeto Moroi
can i why you baliwa there is an error
using IN applicable peidic raw shown on this statement accurately for It you newt more information, describe die Item you am unsure soot.
ach future de.c., balance Iratalorhormnience checks nd cash advance you do not have to pry my amount in question whilo we am imeae
checks frock trsns61den'), purchases, balance transfera, can edvaon, bas you ore sill 06191161 to ay the pal of you ben that am not m
promaolW bemces or overdraft Atlvmces). Tore iculatlci may w '
combine different categories with out some aDy periodic rates. If then Is a aQY°en. While we hen to E Investigate your rat --I o snit report
Y' next to a anodic rate an this statement that rate may yyend the utIEq?t or Was Ayor mllad it* moat you you as
Indea and margin used ro determine gat rate and Its corresponding APR checking laus to pay pay y you our credit cut so stop Me are payment m eM ra automatically a an n ffQualt. rom yourfSwptgsaeor
described in your GrdmemGr Agreement, AS amendePadThara se Madup y amount you t ink is
minimum lima charge in ey billing eyrie in Awhich S you owe a Than is a wrong' To slop the pa mem, yaw leer or all (usng IN Caremmber
Nana smiles, and o to in XWn linma corps for Each a lance any trperiodic ansfer, SwAce address or telmhoa number shown on the statement) must reach
cash advance, or check transaction, in the moms stated in your to occuIasi r for" business drys before the AUTOMATIC Grtlm"Itis Agreement as mooed payment is Scheduled
To get the dally agents for each day of the current billing cycle, we Like the SIMSI Role for Credit Card PomAASy: 11 you have a problem with the
beginning balance tar yen future, add my raw, transaMoa or other atigs quality of goods or sanity hat you Purchased with a credit card (excluding
(inducing its& unpaid fiance charges and other charges) , sNtrml a Purchases mar with a check), and yet hen tried in good Idth to coned
payments or credits, and make other adjustments. TnnycOOns are added the problem with the merchant, you may net hot to pay the relining
as of the transaction ate, he beginning of the billing cycle in Mach they are mount due on he goods or services. You have he protection my when
oa161 o your aaounl, or a later ate of ow choice (escept that chock fir Purchase pie wes Mora cam $50 and The purchase was made in your
pOS[Won ale added AS or ha cob ate deposited f o home stab or MOM 100 miles of your encoding address. Thse limitations
of our choice) Fees are added either on he ate ola pit related transactonadne ail it men If we own or oParate to merchant, or 11 we rtuie0 you the
aamlomeM for he property or senices.
MA021207
https ://in stantimage. bankone. net/S tar/i sp/Prin tDirectly._i sp
6/12/2007
EXHIBIT
7
Cardmember Agreement
CWA1bDr5
matieg sms6nsmirrsb,fauvposr vsdd boa if your accountb,bste is ovaryor crodh
rims for any rasa on may dirge You an -rrmtk foe as dascAmot M this ogrgameot lditlin
es-T
ry must rger sthatipti
iou We map oun aryaw credit Gee andd r
•am imm,&sfaly N w° act you tot
M agrsod Wilmoli esto any balance onry°arust etedk line
At our discamaimi,sea teayutuoasa,reduce, of cancel yaw crod1film or the cash advents
porting of yaw ssalit fins. at any time However. B you bent Estad us not to do so, we
arlllraLkcrz mpwvmLrarme Aehapga?oyrwrcr°diLinirvAiWaffaeiyonrobigofian
W Pew
e oss: International uansscibns ixfude any transectbs that you
make in la it f?a it k
metcxrsnryaa Tlat you make outside of to United Stoles of America Ewa
R it is mmfi it Us dd/rs R you make a tranvecdon In a lorafgo currency, Visa
brless domef ale jagaiarDrd Intonational, inc, will craven the traeseedon into U S
dotlrus 6yasbagieasspsktive currency conversion procedural 71st acclaunge rata verb
Entity truer in cassava wnaacy is a rate that it selects a bw Pram The range of rates
rvulabis in tin, wbo maW cterom-T markets Iter the applicable processing date iwhicb
FILE only vary hem the nu the respective outlay bag aemmmsl or the
pmtnm ml.a ? tats in eliat# Daft applicable processing dots Tim raisin oB°cl
on the appGeabl.p mearab'gdata maydi5°rtr°m the Four on the dsu you asgdyeur card
or geeotnq likk arsenra scar Fight to cho rye you on addn?osol three paroled rj%l at the
dofarearm?afeeat?r>tarnadonsluanscctianwheUterihaLVm?c?oatsasorigin°gy
U.S
made in US dadoss or was made In saothsr currency and eosavu7ed to U.S. dollars by
Ifisg or Meem Cud in allJiw rasa, the 3% will ba calculated w then U.S darlu amount
prwidad>a 65}tistanity Thu -toms process and charges they apply it anyinismadonel
Im ssi lien fs ta/ss/d
gaharld sa7¢e-fists,rYan?Wemay,butarenatratleir°dit.decfirstautenzatton
on year aasaeal bs WY d tb, falmNmg reasons
• bscauss of opwais cud eaasidarsGans,
• bacons yaataartaouet is in dalaul,
guar srapedkaududasl IN antewf d activdY or.
• in =0 ;-.I!rna- lac pry ca.vr reason.
We Ira lot maximum" fur anti loszer H a tnnsscdoa an your account Is declined for
any target. adiberbyrrs or r third psnp at an l you hoses Sufficient cradt avsasbi°.
for angst vpm%mcrwm gas may ngmlrs that you rag saw your accwrrt with Ea
sutl»itr ,silaMet got eve select Wa cull sadly you N wa went yon to regitt°r it you
jr, tutrogbAKlems my decline year unlma transecfons
Belatme; in t'arf3sdr?Each checkless writ it your request for loads irM one we receive
s chsa# fIr refpauoa as may review your setaunt In dochds whether a sut nextra that
chl v* swy bodes pat mgorW M. r4ocl and return unpaid a chock for any reason,
inchadfioamtalk a, g=won=
• Wa ale sae dsson axed romp°nies is the payee on lha ehoeh
Th e Particle of your creditrara has been azca°dod, or would
Yournaeitfiser advance
ii
Tie tlrscltspoeta*edotl/d R a post Z96 thack IS paid. rassdGng in another cbt:k bring
•
minimal orampsK we are not responsfbls•
you bm amid • t date rporifiled on it
you ass is tle!/a or would be B we paid tthchock.
Lost or Skim Q F>fs• Chocks or Att:m mt Numbers U any card, check scconnt nuahbar
or other maims In aCCSaS Taair sccaurtt is 1091 of stalest, or you think someone used or
may am elate asidots your prodssim you must noaffy vs at ounce by calling des
cardrttwBfrw service uhpkm o number shown Da your card or billing Statement Do not
use potraseeaeast tfbryor aotily us. /sea i! your card, theca; °ceoudnevmbtr w other
mean to asssa FTew sccoamtk fond or mistrnrad. We may tsrtainow at surrey vnd your
tniitpeiisispessalra you n8uly us of any fors. theft or unvudar¢sd ors rebated to your
eccouaL
Yree not be R!"n i them i¢ unerutiaraed am at -;7.,r at_ r* ,! ." wtkv 't re_:h _
no bmEM. board WE nut bit bW for anlri the SSIDO of such treas°etmns, and you
win an be lath` for any suet rsau,etons made after you notify us of ft loss, than or
gnsadwdmdgn yovwm identify for us Chit mnamthotind charges Ircarwhirh
Ws msymgarm wto provide us inlonnslion in writing to help us rind out wiathsppmeod.
We only who ssquifs you to comply witt, curtain prof sdurn in earuractiw with our
in"sftsdm
PAYS
y,? Isamn? Your billing statement land accamplan"" sm icepe Include
Ferment sold fmpovr fat making PIYmsrds and sets butt the dots and time by
which we mesa asctnvo ther pays"
you t mpry to ¦aBODUCts Tao ova in U S dolors drawn on funds on deposit in a U S.
lMule->sa tr the US. branch of a Iwvign inencfal Institution using a payment
check poloomByoaillor oreui°°redt dabelttaetwill be processed or hwmrod byyvo fistancla
he, wa va7 unit °eapt easb payments Your total atmlelabfe credit may nal lx
rardefidforvis no 15 days altar we r°c&s your paymen.
Any psy>mKdmu* or other fa•,s al wrr-sneot which yo ,stead to in L-a tans then rM ful
'ntasaca »teisteaerksd ?t•cid? in iudF ale wdh s simRv nMnWarn orthet arse rellurvarse :ands
in foal xafidxc*R of a dtrspteued AnOMI It DoMsenai pnymsruL must be send to us at tla
cuwhilanod Formal address listed on vote monthly st/tasarl we ressm al am right
r watt pt?iasests For ozaaepla if it Is detarminad there Is no valld dispute or h
amy gmk polm®d?a ?m?t.e?ti.w,.d at arty other address we may accept the payment eem b
wl[ stilt maea aM mmainbrm balance We may ro6o to script nary Such peym
rsturtaurg ii>a ys4 nx caching R m by destroying it AU other payments that you mask
should fag sudlv*s regular payment address shovm on yarn monthly statements
We ruswatsr d w ]VIrl to sl°cvonkaRT cdon your eligible paymvad checks, of fire
ptespamoMaW orreprasentmant Irma the bank scu5unt rm vJidch the cherkk draws
DurraeeWelY s PlImerd chocks is yourauthorlr°tion lmrtm to eoletlthE amount t
AC:EeTAfJCE OFTHM ASREEiKrf f
This sgreomuntgovsr+tryosr credd card account with us rol°r°nced an the card terrier
caatiming shoe card far this account. AnY use of your accomotis covaredby this egnamest
Piaasa read the erdim spmemaot and keep it for Yaw records you vothorke us to pay
!ale and charge guar account tar e6 tronsectops node on your account. Yew Premise to
payasferaRtnranctmnsmaof you, wyarther pa?!i isresp??foriaying
if think g )OM accotnad, rack of you,
elf asnoureur owed. even l the account is used by reply Do ol you this Pisass sign the boot d your credit card when you ra/sin it YIur will ptsbound den I
agraemard7 you or saying suthorued by You use Youcard Whetter you use your a c=nW vSCOMM Buy , ou dual sign your er ool you will be bound by this
B!;Mvmmd amilass; You conesl your aeeoupLvhWM 7g days after Forgiving Your card and
you have not stood yaw account [or any purpose
Thrrnrghout this app , the words'we , nz and -oar` mean Clew Pont USA. NA,
the !sow of your anti cord and accouaL The words 'yao• 'Tout and'yasus'
persons responsible farcoaaplTing with this agmenuu#.iabtbgt o psrsonwho spplad
for shit account and Lima parson to whom we oddness Won stebms°ls, as well as any
person who sprouts Is be liable on the aceouleL The wocd';wf raw= ores ar mots cards
c: ether a -dust dnkss, such as account numbers, that via have )=ad to parrsh you
to attain cars edit under their legm°monl
USING YOUR ACCOUNT
Your aecouset Is a continuer account and should be rind oatky for personal Isaaly or
household purposes lbdasswe sgnIs or it isrequired bylm.wewill plat b responsible
for awcheadn or sonicps purchased or i°es ed through use of your nto You
promi v In an Tour account only lot valid and lowhd to umcdoas L ?For ntm nos. intr you
ga n?bing saeY be iRsgal in some places It is not oar rtrsfnlaaslbRdy
use your °crmmd only for pomdsshble transactions. cad you will remit resp pals tot
pzynp W it traocecilon reran d it is not par:nizall,
TYPES orTrcusocOav>;
PuMbes°e You may up your card to pay ?orTjaotlC W arsus/t:
•
Mucks: We may providr you cash advance clacks of bolemx fronds; chocks as a
Worts asa your account, We obo retu to them ire this sgrmmwm as s chart m chocks
tras:iarb,lencestreyarseeount.
Yam mery ram a dock tipsy ior goods orsarviess, to,
or for otter uses ws flaw But you may am USE Lha° d*tks M tnnsf?rs mh the
of our rWmd pw nweha from reuse accounts with
thro
d the checkmeYsignthechart Cab advance chocks
r a tin whew nauw i
are tnsbd as ash advances end balance tnirafsr chocks on trusted as ballareve
vendors sztspt as noted in this agreement or may otiamrs mats a you We may trust
d? d coule, Wean chocks and "two Indcata?you at subject edge terms
for cub adrahtcss,may bin stod et cash advances and assessed rashidpaDCa rates
and fees
Batssce'rnmsfw=Yule mar traruler balances boar °tbu accomets orfoans valt other
rsadd card issuers at dhirionders to this accoam,s or triter balance tramfarswo allow
B a yon n ay not Irsoslar balances to this °ccourd [rest ether accousis with us or afty
of or related compooiss.11 a portion of s requested balance barnslorwill s:sasd your
evadable credit fires, we may process a partial balance traasler up to your av°,7able
clack rw
Crib Adumhees: Yoe may vie Your card to gat cash bme o,tomadt taOgr nlathioar, or
from lrnanched hops accepting IM cud, or to obtain tnvolea shacks. formign
cormucy moray orders, pars transfers ord mlu cssirlds chigger, or to obtain Initially
tr,gyxl essbea rd ?nricra co track pto ma4q psymotrtonyswtie?aiad[dlihe?ym`.?
rngyslsq use a tthih'us' ?rtY
to ibis secoscL
• Ovardash Advonheas: R you hrvs on oligibie checking xr isted bank to
beads. Yom mull' ludo Ink seeoustt 10 your checking our m nt and
cover are raft on gist chocking account under ds terms of this atpoa
your checlaog account agreoment
Billing Cycle: In sedans mansov your account. we divide tfasa into periods called'bi6mg
cytl°s . Each telling cycle IS approximately that I g month. Your ac calendar will bsee e
tilling account an Val Inner a biling cal erels that
in each h calendar month rrlleathsr or not fret" IS a hiGug statement
fort dbgog cycle.
Antra Ized Users: R Yon afiow sumsons to ase yreor account, that Panama
an
antlor¢ed asst: You should think canfu4 bsfora M plopping equals the a CC become
you can
authorized urar because rest are allowing that porno
You will remit rasponsPrda for the ten of yma account and aid cud blamed her
eeemmR Eeeordlig in des farms of their sgmneard. This f achrdas your resp ?.b??
paying as charges as Yom °etoum made by an fludaw led us°G eccosnr tit rap
Yen utsy mqusst so addidousl card for one by to sudimrhad asmr ve you
de so, this ate a red pay eppd:. an the emus report cal thou authorbes : u oum n
Yoe must nad4' us to tursdrele an aUlhorhJd user's Psmtbiims to urns lemur aco
you nvtrTyus, vn may doss the account sndlor ktum anew card oreardsvigh a dRferont
accountrwmbst: You should also recover and destroy any cards, chocks or any other
meats of accost to your eteotmt from that authorized tau
Ctmdd 11ae: Yaw eradtLAno appears on your being st°leml We may ski ruler to the
cndd fens as a crodil fitnk or spending Gmft. Your bHfmg statement give may show that
ordy a portion d your cmddfina maybe used fo rush sdvavees Lash advomo inOvfmg
cool advance checks, are charged s ga[nst the cash advance Follicle olYour c:rsdj fine,
for
and all other trpnsectimn m charged against your crralk Rue. You art rasp rsibfa
kaeping track of you account bola nee, inefudmg array fees and finanea charges. and
the check electronically, oy R needed, by s draft draws against the bank account
Payment thaeks win be collocted alsctroefcegy bysendaig the check amount along
ibe
t1b do blind as *trroutin and account oy as the same day we 1"'Lliveyaur Qeymsnl Your blink P At The check wig be dostroyod and an image will be rnaWmad In aw records
winirean Psymout; Yan agree to pay of )bast the mints its, payment duo tr shown
on your blimp stolamonf, sir that we receive it by he date and time the I wno isldue
You may pay tows than the misiowm pymud dire and may pry you
owe us at any time, g you have a balance Out issdrr because ours sica c arges6 the
sooner ybu pay its, the leseyw will pay la Gana s fbilanct charger
accrue on your behove each day
Your bitting stowmasd shoats your beginning behove and your using balance Jibe
Now if olanci don your biting ststtrsarrl g this New Balance is $to fro or loss. yaw
nininnimt rymatd duo will be the Now Bala are. Wlterwisa, it will be the largest of
thin mutts! billed ? cc late of surges, and any blood late and wsrikalt logs Behove, dim Now Balance; or do seen of I % of the Now poll of the min n um payment due, we else add anyemvunl past due and soyaamunt
vwryour ereddthe.
I's Rd ABscatfos You agree that we are nuthnrized to agocale your pymonts
and credos t a het is most no bal balances vAAb lower AM E Icoch
I before is to erpply VON P Yeaand crests t
as promotlonai APRs before balances with higher AM
??Btj the amount of any credd b lonce by he amormt of n w charger or leas blood
to your accovsl dcaRy charge par
Avta=Oc Cbargos: You may sudrwbo a third party to sutoma
a record for repeat trontettlorrs 11" example,montldy tslfsr charges, memberships
and iorwaince premlumt) V automatic charges IN stopped t or aw evtntgt
because Vow account is closed or strap any resent) hose account number changes, you are rospoasible for no*bv do biller and paying charger Item
hargecharges.
riumbenumber
directoy it ourn raccount
Y
hatye h lobe bftsdtoporDidaewvM
y?yraowM,r acc atcowttnumbar cbargecthatyon oatmhd owe
numboL yyoowq
do, wo trill From tltr to time we may ohoiler o offs anti beau tong rhyw account asset
subltn bout to the orms i by thh
, ptomvdao ha terms oil tlsis afireemsnt as mo
Any promotion Is you
prdmwtlarrd DRaL
FINANCE CHARGES
Daily Periodic Rotor bad Annual Peresotega Rates your annual peresotepr rates
{-AFUI and tha cwm mg daily periodic ? are 6cod on the Rates and Fie;
Istria that it at the n al tEirs dorrimom or provided separately To girt the daily
prfodlc rely we divide the APR by 365, end to aRect always round up at the fdlb
piece a the rigid of the decimal pint lmeyvaryverh changes
Variable RatccDoaor more APRsthst apply tD youraecoun
to the Prime Rely When yon hove an AR that varier with changes to the Prime
Rats, we calculate the APR by edd'arg a margin in ilea Proms Rea published In Me
WagSlro oommitwc business days before tyre dosing Dour shown on yearbilin
statement, The 1%0 Rats' is the highest ftf.S 1 Meer hate pubished in the Mealy
R Btu sactlaa of not Wd Srsardournel If fire WONSueat Jawaalstops pubfrafiing
the Polito Rate, we will sublet a similar reference rots and Warts you an your filling
statement or through a separate native
A •Pmr jw is The percentage we add to the Prim Rate to r.akulats the APR A
.brsioess day' Is a day that is not a tvoakaod in federal bwlidsy. The Rotas and
Fees Table shows which roles, if any, are vsri" rates It also fists The margin for
each varklilm rate and any mbdmum Only periodic rely and wrreaponding APR
Two business days bolt' a line Mathis Data zbmx an yaw trailing statemam we toe
wish the prima Rate Ir. We hen add the applicable margin to hat Prime Ilea W get
the APR The dally parfudic rats is calculated at datcnbomt obrrw
if our calculation rasuhc in a charge to a daily periodic rate Iran the preview billing
tytb because the P ols fast ends in ft calendar month 1a which wit Madefth
day of your er btiling c 11
t:alydrlatlon R he dsgypsdodrc sea bmrcrearet, ynowik horn to pay a higher priodre
finest:, charge and may hen to pay a higher onk imute psymartt.
Dalsvill Amew Your AM or Any other agreemord youu ha eawith us m or any of our related componles Jar any of
she following n esonr.
• We do trot receivs, for ear paymord that it owed on this atrwat or any other
account or loan w11b us. at least the mirdmbel peym on due by the data and lima
due.
- You o=esd your credit this on this account bunk
- You make a payment to of that it not honored by your
-
To the eaters slows `your outstins offer tanding balance a and we do net receive demand
Immediate pyma?A your
wmhlt _te Bear we spacRy donal
if uny of hose averts octws,van may increase he APRs Onduding arypromo
APRI bo ail baancos iesclud'mg ovardrok adv marl up to a mL*mm bid* dofeuh
rate crated In the Rates and Fees Tobin We my consider the fallowing fetters in
determine your defouh rats: he length of limn yaw account has boor apHh the
aastance,shriotoatess and timing of the delouks on your account: tdhorarldications
of year account urage bad perfamnants; bdonnufm about your other relationships
vale us tir any of our related companies, and Wormedon we obtain Item twinmor
credit Theea obtainedfrom the dedwh oclcuratrate, tir7 apply IV purchase
the =01 4 cycle in which
the
baloneas Islam go prevous irong cycle for which periodic rmaa ve the ryes have
net bees abadybilled
11 we decideanewincraase your APR oven though there is a defeWorilwe do not
increase yaarAPS up to this madmtas dolaull rate stated In the Rates and Fairs
Tebla, we r... alai rigid to btcranse your APR is *a event of aWbams default
We scary is sea ssusGDa debermira to tberpa reduced delsok moss or resistant
standard son for ail or selected balances on year eccwmt.
fiaearar t3?uaarltalsilse-Twe"Cy°f° Aaersgs 12w?1' Belaaes Nfegrad Eiodsd'mg
Now Porchanal4iorPmtbesrsandAverage Daily Balance Method IstioadingHaw
Tmasetiland firs Odor Twasactiooc We calculate pesiodiD Wanes thargas
ceparetsig tar seeb balance aseocistd whit a difsrmt talegary Of transactions
ON enanmpiR,Pumbmws, baleen vanders, bahoca trandsir c lack;, to shadeantm
castadraencecbetlx everdrakedvn ss, ndgamy such?p tales Tcohmisfimrs
rayco??sl categories
waft
We cekrde W ilia paaladie hnaat? charges for pmrhases 10 ties urhtp;, as fopasvs;
• First for abash deg of the Mktg cycle, we ewthply ha Only bateaes by the dally
"andicents,
balance
• 5rtotd. lei sari day of the pre+naas blgbmp cycle we meld1fY Wily
for purebmsaasde IN that being eycfa by Tit seine defy psdsdie uw. Howave;
we do at de his stood step if wa received pvymant in frig of do Usw Balance
my?prommisieffim statement by the dole and lima the minenwni g. al was
that htlonca
dirt or Ste peoleac finance ctsrgo aver already billed in
We eserdDtetlo petiudrt Ruunea ttmryec for parchasac svbjea b s promatitrrral
rate the assionvseg.16A WS in the promolioral rate
We caknl? ter Wk founts charges for behove tranrfass, balance transfer
dacesusadnweas,castadvencscheck;andDtrwilrskadselaws bynotelptrkrg
the dallybalrnte br soot WYou my have overdraft advances itless cslegoriea Who daily pwisderrvno
these eJIGG f w
W
this etcseadms s?rckap is for each of
Betwer cb dayaccoual vifib win of ter Mislaid hods caftukta the
podndx fi issae Chertscorlor balance vonstom frelanct trutdor stocks, cash
sdvsocM ode" •dgv e checks subject to e promotional ran the son o way.
bin v a rte;:Ibspaemtrtiweef cta
To got do dairbohm n far worch day for an rb category.
lqe ??ye jmobOg bdante forthst debt
• We rid to Ad balance say slow varsatdons, fees, other sd,ergas, and debit
a tier •PPh w tins category. We add a new parchim cash advwra,
bit OS?hror wardrall dvaae9, "if appfiubb, to tie daHy6alaath es of Iha
veasstdieadatt, era latetdels of rut clwica Wh add D a iewcox saivaoca check
or fatsro maeder chock to tho daily bofsaeo is of he daft to rash advance
duck ter 6afaote tredc(u check it deposited by a payee, or a titer date of our
Choice
• WE SaIMM Ewan that i alsoss etry peymt+dt, treks, or a redlit sdustmonts that
applyistbsrcoopwp and be are credited as of that day-
• Wa vacua cma balance a a balance of tam
To gat on ieyeritg bolsncir for each category for the nect dew rive add the duly
periodic KNOW forge to she daily balance R more than no dads perioditrc rate
tow ??ppt?[gr to csta because the row hr this category museyywry bored out the
want of WE "n rags de balani we vwgb an the daily prtaft no That applies
for du here alp dddly balance anutmt at the and Df the being cycle to cah:utate the
daily panatella locate charge sack day This agreement psorridir for Only
ewapeao?0u><fmsocs edrages
To ggirstt $u yeripatirrdec fendtea charge for his barrnp cycle, we drdd red of the daily
patfe8c Wee dssrges fir asst utegary lw sect day duimp tlher billmp cycle,
plot da dsi?•geafrrd0e Rasslca Charges as pmcboses, spay eppoy, forthe previous
'2'020-2m ca 11eaa rot 71 sav Padodle fbtaoee charge Is date. use wig charger you ant
1taitiaase pwidlo 6ruttce charge stilted lo tin Rates and Fast Table .If it
it aseesarfrr?sdd m add illwal serowhewwna roach ergs, wo
add hat weaned to the babno far purr
The Mel lance eharpD on you account lot a Id16Dg ryda WE be tire saran of the
pedoeffs ousaca charges plus any transaction tee finance charpt
FDraaddaadellony a tokdsa an everhgs drllybhlenca ymdttdiagaewtrabcardibssJ
IN "an biey Cycle by adding sit your doily balances and drvkdiep tint amowd by
the amabsof days in tie bamg 446 if a JM"c ruwnt:v tbttR for purchases
reeds denswom parlaac bang cycle apples, Teo evsrhpe dailytrllLace fartihesa
poods casisr:iadatsd dle semi way N poh ntrr'pfy ills avaoga daily balancs for
e eats 9esrlrgentealsgwrs duly p imk relit, and nuhp1y des reMAlry dro rmarbor
of drays k des blfPetg cycle, du toted will squad tlta periodic Rosests dorps farthat
belaerrs trarieuttt6ie 2vtbatb*ng cytK akcept ter mbrw vsrihdoa2 dw w roumdmg
GrnaPaabdo dAccmel Wfin oo CbwrcWs sterns psrlode)manes charges
one itworfmmochmpekumtludatak'rseddedwyoewdslybdance
"psywabldak rsthired aoyor eeeova llowermwe do wAcharge porfadic
fneatacbafesup inewpuncbasss bftd duMV a piing cyclelenoratve paym?rmt
a rut:: MwBaloscs by tyre dolt are Sees rout mfnlaartn is dos and we
steles? of row now saints Do your b sbtteawnt by the
date and fi pw paymad was doh. This onspfio Dt'graca Posher applies only
to puetlesioseb ddoes not. =tubalance trndars,balance vandorthecks,rash
all. a if 4, dvente r or overdrah advncus,11applicable
Traesasf'oa ices for Cash Advaums: We may charge you a rob advance let in
the nmmatstd in tba Roes and Fors Table for each of the fobvrfi g irirncactions:
• tech dasca thvrltg
• cesredsaa=os
'opa :. ter
In adBdton, B you use a third party service to make a payment on You kohaff and the be requited to par do madum%g balance on your account according to the forms of
service charges the poymrnt to Ihls account wo may ctmrgs a transaction ha for the this sgreat mm In sdiliq,ts oleo oxseol agowad bylaw, vie may require you to pay she
palm oral- vuWandngie bnm kwadhlsly or at any thra after your oceounl h closed
There iranmcfmnloss arelinancscharges Vie odditubetolhebafancelortherelated AnsTpL mA E1ilT
category as of the oansselion data of the cosh advance For example, a transaction lea PLEASE BEAD 71115 ARREBIET UUM11M IT PROVIDES THAT ANY DISPUTE MAY
for a cash advance would be added to you cash advance balance BE RESOIM BY Rill! WABBITRATION AREM ATIDN REPLACES THE RiSHT TO SD
Transaction Foos for Baltimore Transfer- We may Ctrorge Yale b baladca transfer fee in TO COM YOU WILL NOT BE ABLE TO BRING A CLASS AGnahr DR OTHER
the am uni staledin tiro Batas and Fees Table for ouch of Ifor logowing irsonctinar. REPREMi7 I E ACTION IN CDUI1T SUCH AS THAT IN THE FORM OF A PRIVATE
• belanca trssafw ehecLs: ATTOIM M313 AL ACM, NOR V AL YOU BE ABLE TO SIM ANY CLAIM IN
• ball ncs UZWOrr• ARBfTRAMW AS A CLASS ACTION 08 OTHER REPRESENTATLVE ACTION. YOU WILL
Than trsnsactinalwirsateImanimchages.Wevddthafeemthsbalance forlberaising
category as of the transaction data of the balance transfer For example, a transaction NOTBEAMETDBEPARTI)FANYMMACTIDNOROTMRLRaRES UATiVEAGTiON
BROUGHT BY ANYONE EM IIN BE REPRESENTED IN A CLASS ACTION DR OTHER
foe for a balance traarlarwould be added to yom balance transfer balance REPRESOiPMACM11.INTHE ABSENCE OMIS ARBITRATNDN AGREEMENT, YDU
AND WE MAY OTHERI IB HAVE hV A RIGHT OR OPPORTUNITY-TO BRING CLAIMS
WHER Fd5 AND CLUIBGES
Wo may charge do following Ions The amounts of these toes are listed in it* Rates and IN A COUIM A.tiME DRJURY,ANDIDR TO PARTICIPATE m BE REPRESENTED
I
N
A
Foes Table Thew laesvoill be added to the belanu forporcbases made during the Mel R 0 HISHTS THAT YOU WOULD HAVE IF YOU 1MEIdT
R
EP
cycle-
killed
far,
p
will be
small te
hims
min
For U your occo
l Nlsmbat TO A CMM SM At OMCDVM LIB THE RIGHT TO APPEAL THE DECISION Mff BE
MORELS ('JUH' BO HUMISEPROVIM BezKTHOSEIIISMAREWANED
or
ut s
a
e w
own past
es Ta
Rates Wild d Nor
toted
la
not sh yews or our account. mind you yea Bgree to piryk whoa Wild The amand moralmr i r p
a
end
mtr s
you use
l
Bia&agArfd?aBn?7ldrArb?efarAgtsaareplk made pommel a transaction inwoharp
hntwatade mmoatzq, cod sbav/ be Printed by and be mWirnabb under the Federal
l
aw
I you wish to o close year r account within ithin 0
dyet
you
fay
char s of do his cos s we ai yore. billing sit ethatat yo Brit tlddcb flue annual mortbenbw fat is
y
li
?Uw•?-LgUS C. 31.15 allmsy ba anmadrd This Ar6lralion Agmwwnt
sets fw*do,' , .sees and procedures andsrwhich claims fns defined bahrwl may
me time. pay your outsutond pol
med
o
g
oe
of
ha and
you
b so
ns
th
k
be rasaboilbraidiftrrdon famed of being litigated it court
o
lats
a your r account or ?nt or
nr
not ailret our cu to d
yo
in
the annual mu
t
lea days
right t to e rar er t:awd is closed by yon or r u ar, we
broke transactions on your atcotnt If your Peruse Cwrad.Fartle pwpom at t9tirArbfnstion AgrsartanL'ew; ins ; ond-our also
inchdssoarpwaa6srbsidsrss, r(1rFeae; tfrusess,pradecessarr
sutzesson; assigns
will continue to charge the anneal membership ice until you payyowoutstnmdleQ bslence
in IVA and to minims your account relationship ,
,
only pwcbuw of year Aecvmi, and miM.of their ntfcom diractoM ampleyses, agents,
lld then Additioaeg
'w
d
,'
e
'
d •
f
h
l
d
d
i
ll i
hi
d
Late Feet U we do not ronlr a at least the required admisamm paymant by the date and y,
gnsmrbmyea
a
e
r
an
oo
s
an
ass
a
nc
t
u
e may t
r
Party pmvbftbaoaile,s r4ciik orprodum in csumectlon with tiro Account frnciudng
time k Is duo as shown an your killing statement for any b OM cycle, we my charge the
rata be adswm in the Rates and Foss Table If the fete lmie Is based lea a balance we
' not fietkedto credit livexa , merchants filet eecopt any cradle device Issued under
c
s
s nod
s:
actin me
ACwmt(, a
The
s statemmd that
calrAgla do bra Ise ]Sung tie Previous Beleno on the current month
shows de fete fun This baladW is the soma as tiro New Babdce shown an tine print dire
nd d aNof**0
tors
, smptay 1001
,asr
debten %
d representatives)
? waidwr, sp?s an assort
meba tbirdphanyirmmwd lryyyywso dbasaro n a co dahndamtfn any Claim laim you assert
Ir
a
moult i shaen d lorwhich we did not rrcalva at least the required smithourn payment e
epa
by the data tnd tine it was doe
a
rxadi so lea at a We tame during a Hiltimg
da
Fax B yours account
is
Ovaullsollf
we befm ma
aover ge an year avarlimmill
e
le
a may
charge,
t
for a da
ni
if Makin tuend- E ldsw you or we m% without the other's consent, elect mandatory,
MOB S eel star eltil4 AWM or conuwersy by either you W to against the
y
y,
y
cK ow
,
y
b
y,
a
y
eye{n, uvwt
odut, w sphation ?pbysa; plural subsidiaries, AlMlos, bioeffeimiits, epoMS or
ip
n
oc allfi a cbatps
e win core itnp
crssd
arise
m Ua bsc
or n it . at et bela w ie thwha W*centhother snun all m der??eaibis hr
unante»y
i
mnsu
even
b
i
assigns d 6e n&K atift km or refe6dp hr any way to flea Cardmombw Agroorno t.
key' I --xdmrtl6rAyraoraenIspwuadlcardAccountorteeadvartiDltp,appicatim
charg annircyc
n
s w
billing Cycle. B
? But in my charge you scrua In ee
s coord balance cfin h it CIO over
your
t lanc
te
n
unt,
a
yours a
nevus trsoc ere meta r
n nrmippas?yn( of pay Access! null. This Arbitration Apartment governs oil daisesL? ,
whoWyr sub Chins m based aft leak, stettna, eontTmict, rrgadegon, sudhanw, ton,
syeles lists
he
biM
m
Boy tt any ;ytits during th
p
credit i
subsequent
Rattan; Psymaal fax A la) your psyment check or Amhr hatnmamnt is amt honored. lb)
ment h; returned unpaid or 1cl we must rattan
ctronic
a
tl
r
t
d
b
l d mum leu4 >7oasOil pratadom, or ;try legal tiroory of law such as rerpandsat
supW* rtrr '&'3mp1W spillable ground and whether such Maims soak n ra r"ar,
d
b
y
ra
p
t or a
e
e
e
an amtwni
x
a peydmrd chock because iI Is not signed or cannot be precossar. we aneY charge e ae
ntmlr orrghgafala reWl, gals subject
oavprY lsrP w
m
m
uwtim b& quids regarding the oppBeaMply,at this Arbiragon
to this Acbiddt=A
p
ninon peynemt too. y
??
,
?
Agru metatorlhowW olthhoaft CordemmbarAgm.,. of any prior Cardmombor
Retern Check Far If (a) we stop payment on a cosh advance check or balemee Irsaslar Aprasood 7iirArbivii- Agraamed "Inductor Clones that erase in the past, of arise
Checkotyam; rmigtavat, or (b) we refuse to pity a cash adyonce chock or balance transfer in the prproR ords IyI me. As soot III Ibis Arbitration Agreement. Ilea term Claim is it)
check we may davrge a return check foe by given do koadalpeabb mdrp.
AdmWsm&n few b you raquasi a copy of a billing sUtFinant, sales drah rK other '-r, l adadaClebasihataremade tscounlmdejea,cross riafrts,
geimsmi?mirteon
ata it or il yon request two or mom cards or any spacial services liar
our
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record d
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guy pp?r tdtiw; mirdats or dberw6a, and b pony who initiator a proceeding In
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exempla, vbtoN„t cards lea an v9padited basis), we my charts you ka these servesrs court pal, miner in- vYHb napeat to any, such Ciaimir advanced in the lawsuit by
Hawavey yIa t+d<pot chorov you for copies of brTfmlQ auto moms, soles dralts or similar
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best., Napwardatrito milligrams a Ch4,ths arbitration wS be conducted as an int ividual
DEFAU1TMOLLIXTION eciias fihilia pea. cos spray Is oar rrbign ion on a ;Jam ur roprbasis,
1Ne.mayco yputobefndoloultilenvoftheseacct: slid themblrAwShAh mateaatbwi 130prychrdonsuchbasis,Thismewsthe[even
• We do notrseei?e at least the minimum amount doe by Me dar and tome duo as drown d e am MAW, ys h erpdavrfWfDsamtetiya colour, such as Owl in the loan of a private
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else.
• You fig to amply with The terms of this egreement or amyoareamnd v4b one of our No odri ratm em'R be eonsoBdssed vagb any other arbitration procsednQ without the
routed eowpuries consaat of all payday. Ties a* Cb mime that may be joined In as fadividuel action under
• We obwa ltdermrtfon that causes us to beTiave thatyunrwy lee unrow" or unable to this ArbbadoaAgn m a are (11j trod brought by us against you and any co-eppicont,
pay your debts to its or to others on time
f
b
t
fil
l join errdmsmbar W mss ad arson of YM Accoum or your heirs or your imnso in
mor or W dmami brought br you end any co-applinay join canbrmmbK at
badfso
or
sa
op
ey
• You
e
• You boeo;av Incapacitated er in the mni of loft drv#L , p
euilbudcad ymar W7mmrAeeotmmt, ow, raw hours or your trustee In bankruptcy against us
If we coeadei your ormat to be Is doleuh, m may close yaor a xmd v ttK4 nonce Inltiatioe d AADUNtst Tim pinny fill a Clain in arbitration mast ehoost one of the
and require youlo peyyrw unpaid befenee immvdmt*We ohm may rsgokv you to pay folbyris Un aabiratiatt a etnm American Arbhratimu Associaliort; Of Natinnef
intsmst et rim rats of too percent (2X) a mach as the Will balance whom we doom ArbhrAmfbmIL-7bst mitktminidtafors life Independent Gem us The admbdpntor does
your secnnrd to be sir or noon billing cychr post due, amt emend a ifs arbitration Arbltratlo; is conducted under the rules of the selected
To the axhtd psradttsd by low, it you ere in dahluk bobetat you hoot failed to pity us, arbiumiloo oyb{mim impertis) Iflid paAy etwstrt in eernrdenes wgh rho rules
you will pay car Cdacik m CDs% anranays, fees court costs. orrd ON Damn expenses at el die salresd agbiraLoa adadsdsUtdar and at may be prowled is this Arbilnton
endoreirgt aW rlgids undN:ds agreement Agwon*K Any whi raft br>bv that yea errand shell by held n e place [lasso by
CLDSMS YOUR ACLBUNT Ilea otbitresar r'it I rsedaglra•-or xmhln rho irdc el judncief detract in which you
Yon mina dose your account at arty time If you call as to close ytmr account we may Inside ad[kmi from OW CM IP Bed, or at screw other glens io which you and eve agree in
writing biea may OWN! COPiet of the CerreM rods; of each of the ttaa arbitration
require that you confirm year request in waging
Wa may close year account at any time or respond yota credit prkftpn at anytime far edmisdammor; bdwmsazior about arbitration and orblumo n fees, and inslNciton5 for
any reashm VA MA prior notice except As required by applintrir tarn. U we close your udUetag BMW" by mw ?t ?tit,t?t?he aNtradon edminirtratort as follows:
Amwram ArMewi n Aasecmtio0. 335 Matson Avenue
Hoar 10
New York
14Y
i
nsing your
account we vA not be Gable to you for any consequosen rasuking from r
accamd or suspending your credit prWeges ,
,
,
10917.46MMIr sbhcwwwsdcorg.OD-T7p•7p7!t or
it you of we close your account, you and any evdhorirad users adri immediately stop National Aemosoe Faroo4 P(L Box slim, Minavaporis. FAN 55005, Web site:
Will ? cam4 BM 474-7371
using amen actxum and destroy eel cards, chests or othermoers to accass your a csoud
of return them to us upea request Yoa troll continue Lobe nnpseaibie fm charges to your Pnetdw amt yaw oppRCd 6 Ld arbttratten. A single, neutral arbitrator ruin resolve
account am it they are made or processed ehervw account 1; closed and yaw will GisimsTbsuisba- YA sBharba a iowyerMLh or least Ion years axpariento or a retired
_ _ ,- C;AA i2o-.
or formor jadpa The arbdralioo null be conducted under the appile ble proeedurar If
and rules of the arbitration ednuoisiralw!haters in affect oaths dab
Is filed untass those the sridvwian wraaiuto Bar at tbs rapbriad tpaceorwa Information to ¦ ersdit 6weat Y°v easy
Y
procedures and tales ere uoconsistsnt with"Arbluelioa Please rdm?mber sat&,, address listed on Yore billet; stelemaM
Is Mad std, in whose pare this es gad ra will pr¢Vee 7hess procedure and ruin d Y°tan°me, eddies; °ceaurp renAber, telephone >b s brief
may limit the amwrAt dtf dtswnrory svagelde to yon or or The n m&a of tlw problem p available the craz t
applicable ay limia annohis eotafsava whh the FAA end awbknftr v"* °pPly roport e ? win wE p1omrpof ? pla gat ubs provide a mutter copy an r andof a icredit hereon
applicable and substantive will honor weci of pirlm t raeog AA a! hap cable stslmsr of shows that Yaws are '!A we Will contact sere c, R is +r a repo ted
havertrne, npendbe erclaiwsd nay choose to Ihe f lavunaaesadWXra pestle reddbwesuicap"ll hy sit or
ponsd
sue le by counsel The arbhreww?take rearmable Dw [ Kcriting byIW phong s?gnwwonotife
pr protect customer Account information and other cosadamiyLdormation, credit bum ? w tale your t it wonva io by talapyouo t as Will also the
including the use of prW°etiva orders to prolu'bk dscFmorm notable do wirkrallor4 faugu ilea the bdormatfon unless you lot blow w that t you no
if ra gtmsied to do so by you or us. The arbitrator wig have Ire pmt we award to a
have zany dpw to ams erso ra6ofllef provided (w under applicable hxe and wN nit WN OF
e wH?C I bWmgst QNALH and of TtOH
nut o gsfost, or for the btmard of Boy pauw who is statomaots pad attar onlitu to
b1 in you of tow address shown
party to the proersdap It tits law suthuuiler. such n6el, As p now no to oar)" MOL mcco taus k?i pdat osmium, we can rand ode t statements,
and aolFeas
award punitive distemper at Brewster bar The arbitrator wit make ray award in ytoap arty j and ooint (t (ff d!f'mrwl( rerrwia Hatica Is bigi?tad tae oA of
writing but road not prvvado a stateomm of reuntu uniesr requested a ?
yam will be eoASidarad notice to al of
the account
Upon ? ragnsat by yon or us, the arbitrator will provide a brief stain er bltiw If YOU damp 10w mean, °ddrossr or home, cellular or business leis
rancour for the award. or morel addraua rdyoa alnx to rermerr ptrses number
Cnsftti yJe su wX m reimburse you for On bdtaalubivadoo afird lea ofd Yen earns; =* ras imnaulal ?? dera address s or ugtor an your
b
amour! a of S511111 upon rassYe of pros! of 6 p byrou up to qw stationed Uwe mfr Is vwidng of the address shown an your
payment. Addklonegs l trace Is a hoarhrg, UnBs$ Stan Pmsw my, of nor mplhK Serving win avant cmnft t you address Your s ocilons from, we will par say taus of the erblralor end arbilradoa administrator for the arse two far t pry eoaddr you Iolol your e
the
days of that beating. 76s peyovow of any such hosting fees by as will be mode l Of c bw yon r eat address or bh one eoerd including
directly to the arblraDos rdmialsvator selected by clamping n or us plusp?rd to this any erls6r(?phvaa MAND I CURD a as Ph rrambet es well er
Arbitration Agreement AN other fees wig be muscatel with d rular of TE19'UQDMggOg![Ipgp16AMEy
the arbitration adminimatw mad applicable law Howome we vvif in 4cv or ? andB pp I m?CQRD[n to and record yvw ruimburse filing foes and other fees B its arbitration sdsdrd ator or astor lowdwtwo, aanndola°Ye. ou a&au. may so. w ptoar otal u or V with
daterndnes thorn Is good ransom for requiring us to dv so or ilHal You e due applicable. our agents, m on sin, whrlhar
datornins !hare Is you ask rr and he > cal y or vvo
good cause for doing sin Each party wll6sor the etp?rse of the IHFpidffiAiIQRSEiAAl116
fees mud casts orti°t psny's stunner, exports, witnesses, document and other Yousudeodwo rtoshere camsla information boutaa and
Dur
°xpertsee regardless of which party provers, for arbitration end anybaipopant (as farnlrotcoo4ardn; oadwithvaersoutsids ourh tit Co ursteoier"dn any the arbitra perehung to whether ex eptttr amine r°covur tor cr °g 1 and a low In a srmarktart
n the ca °sia s po nit any
posts anode by !tyor rutsa?m ppy rom why ca
darn er vela i:-h to you,
6rfnrca OW oi ?1°rr Paley, whr:.h is P?uid:d 4• ?°Permipod whom prat, finality, eppsshc Fallen or arty dairy ins a '?etlesdanceach s°hnd°ry"r-theras or docciourtrdamsdvn
Agr?smame at au ably, win s ; Fal as with any by In oforetag this Arbitration sharing Mardc°t and do that= yen hove and direction you easy taro us papal
a vrahwr ofonylights to require arbiveliml at s Farparticular Claharwillm
oe time or In connection wconsolul ith suyd mgeai sd? ?'°d year account with campnnier or
DihorGlowersAay dotWm, rmdwod in swb arblrwfos pracasdfing wry by fmat and ItifhfQlS CAM MBFAS 7°gY of eoorpcntec
binding an the dories, idea ° deny appeals lm wvrghrg to the srbivsGPe argsrriution Runk larrprovldes that we not share iniormogmd about you whh coulpanims
vvrthin 30 days of Issuance d On award The appeal must regrast a now arbiralbo or otlgy may y Bedside family mputer before a paaaf ref two noviral .arbitrators designated by the suer wbArelbs dirclease arm?smlemmw at p our loft rm ft und of author exemption mi In you he fewrt the
orgndtalioa The panic bay reronsidor all factual and injol Issues saner follow the at shosileLafattasdao to procass your ttrusardent; 14 rw the taw toch
shrne ruder that appy to a proceeding using a duple arblinna; and t aka decisions Yoa oure sint exercise cise or 1 as ble aid a cab ere
based on the vola of Cis m°jmity Each party will bar their ono f ???ta° that. N cry, you arb as devoted in m 1wthe a p po f
expenses
expenses laratry eppbel, but it e ? costs and In oar i'dtraq Pa ppgeebie aporl described
Pre? p rtymrytecowranyorall leak cumandsspenser brimmdmrewbe aseIlemd y° be ded4inaonfainiedrrrtorhrtepoductl
from w, as d Cher parirs t therwerd al tea pared.1 atbi r'... aWIN'p nhftsbb or services f ut co petinfw it to mpWal ulhs products
la
iA srbisoi ??? bie as provided by the ot
o post ern ow fir eery bp?mhs rrdasl wBh eampanl°s or other
FAA Prather applicable low by any am 6 7i1 eG EEReWtly oI e
S
chdmpnm't it the Card unvmbarA the
you arabiltY,satr*ItLThisArbitration seuwm sbxlsurvimIQ bo?sa ,??°d?ingwadenforcearyofowrightsunthrthise
and
the trt7dng Ihr ytrumt, suck es the Issuing d e raw seevtmq wag tart skid b umhree them it din future. ft Boy of prsamagr without
w tho tataferring of the balance In the Account to mg the mR 10W In he +rmnfwnsrL, all ortwsr term v remain ahr fnRmla°fres agreement
bsnkroptry°?strypmyare shrdler oerw ialaet? another -ant (a") the UMT
and lid payment of tri deb! bug by yam w? third gamtl any portion arcs pot of this 4Y? ? qtr Woo °m°uK Wry Pennants Arbitretia?Agreedtmd Is deemed irnvsid or uaeafnteoabh, the taaalydup pvrtlvns obign6duasnsdorgdrsfi?sisAtb s third ??u bees $' e or any of our it o* and
srsii nemtb ear romele oforce as htsty The portent
ig whole we asks the
&ban re var* ion main in tom "who mantled to msy of ma, rights that we assign t to that parson
CH
We ampe ton rdn O TM ACBMUNT this agrehsaod at any tine. regardless Of vrladdd 7 w oo i.svd. XL &M THETBSAND f3rfl a A6
to your account, by sddeg deleting, or teo oDdi{yisp any f WhIl provision Our right to add, 0E09VEPJI tJW WT-SP R TM INA Crl)RDA-)?LAu s p
dolour a mortify prov ad o& Includes oridn?nns, such stea es, TO and othisr ratans such at mite nano, err APAs and le TO NnWW SPITE XF4)F-L LAW APPS THE LAW DF DELAYMI WfT tiE AND hatoc obagotioru your or we mq hew raletibg it his°? mment wmm of the lights and i ?D tyq?APPLY4 NO MATTER pVif yip E WE AND ULIVE or deletions era cslmd'Chaaget' or s 'Change' hD1e. eddaioAS,
WTHEACCOW
e will no* you of any Change H required byapplies bit law These Changes arty FI)BR#FDBk 1TiQN
be vifeclrve with entice v* of lire dmo sblW In our Police, In accordance with Plsaso sal dw Cardmomber Sor duo tale
applicable law UMesc we st?ta nth°twise, say Chugs wit phone number th yore nerd l billing
balances an your screw end to new Irm-cbuns apply to the rmPeid Yroun ?? gdartinru about your accotmt or this ?groartran
7te nofice wig doseribe any rights you any han with respect to any Change, end Kemp This Iletlee Far Furore Uss
the eonsequanvor B you do or do not exomirs dross rights For woad, din notice This rnalka emrtairs of Wormoiew about Your rigakc and out respbnsib8fias
may stab teat you miry trolly us in writing by a specified date l yen an net ward to under go ht Credit
accupt tortmin Changes wa arc making N yon attfiy us in Art
a crept the Chrnpaa, your acwwut maybe nosed (g it Is not awtsafkb* ddowse?Snd ? No* Us !# rhea Of Envrs Or Qaasliaes About Yon Bill
will bin obligated to pryyvm otrtstsrrding balance under On sppicabl? lammed you PH Y you ddak A your he us f or if you need more Information a about a vansocGm
bprn°mentIyoudonwaodfyusinwrkhgbypndate stated intleuagc°.wifrag on rawi???aasseprr°tes23SomCwdmemberSrMus?ddros11olVD
notify its but then use your account after the date stated in Uw notice you will be n ? rig d Mar ? doses soon ss bill an a We most or hear o Uro problem
to accept all ChePgas In wt Ime:1 red to accept and confirm alst ras c! ? d ;-a von ?
your agreement and of Chen as In You she fort hil an which the error or problem
whether D prior notices we love sent you regardless o1 ? rc• bM dMM1 se: vvd not or eszr vtr your fights
you hove access to your aeeourd In our ? and Oft us de fammb p Inlvrrrratiodc
GRF?uf iNFDRMAnDN • The ? Mr dogareesaoesrrontof The inspe at Of The suspo r
We mmYperiodcegy renew your credit hisW cted error
M only and others ryby obtatning information from eredl • Describe! the arm end nplak!You can, why you houses there is on error if you
Are mayropwt hformolfon about you and your asr alms to cram burvam, including If you hate volhorhad bas to p&yy Uss ham arc are not sari etrom
four fadare to pay us to lime. g you request additional cards an your account for at ci?pae "Wo, You cPmnry? credal veld bit{ aamount yorom your wrong ngs
'them, we may repast account information in year name as wall as If, the namor of To stop qua rm the
much 161d on any am
Nora other People your hhor must roach us at feetavee bvsa?P'niddn he lure
the ?? is sch?dnled to upper.
Yea Rights And Ou?Aesponvabp(ties Aher We hemlvr Your Wrinea notice
a6talit r,
We must acknowledge roar Inner within 30 drys, unless we have emractediha error by
than within gp days• we hurt either correct the error or explain why we befevs the bill
r Was correct
Mier we reserve your letter we ceonm
o
Yost as dollward we can ruh ihua to bill you for ort the any amovemarAyen report quagiik hat
llnonee rharges, end we can ap,Pir any UUnpaaid orhourat Us Y
not have In pby any qusrikanadamoord whale We or, ageing your Credit obligated to pay the garb of Pow 61g that ere we ore invesdostirrg, bat
n's fwd that we made a question yaw ere s6g
related to any aka on your6A yn it if on take, yeM eyjoys 10 pay
fmance chares, and anod amount if we u didn't Visit if d pee a you ? haw to par
amount In armorCape. iYS? s have to nd yorr a s st tal? of he amo?trnl? eA
that it is due the nad
g you fad to ? °0w eAd ? the data
ftawevar, it Our exPthe 81110111 that we lanoden doenot ss? you o ' we rney report
vs that You am refuse IV paw we Itrd+st ?yenyanayvo re1emt Orwkk%Indopfalling
YtJea rag Yaw tr? Art( we must tap You the nanu of anyone we UM you here a
you to
it eMo ie "Ve "n Pull to that the maker her been settled batrwsa us whop
We tire
g lin llyt fopow those roles, we Can't soled the first M 0 of the queered ,w1 no.
ai" II Your bill wet correct
Speoisl Bui- for Crook Card Purchase,
It You hevs a problem vft the ydeph, of property or servjres ft, correct credit card, and you hays Vial in he good frith to emosnl duep?t? the
Yau htayhave the right nottopa t
he ^t,
This right does net applr is check trearacdons Thera are hvb fgraks? ? n bBi
fit) YON must hears made As pumbst;D in Address; home State ay if ooh vAft Y??lmme Stotk
v?hNn Tog rules of your Durant 2916
1b) 7'h a purchase pries nM Neva bran
Those ihrthtetlons do pat apply "'? than SSQ?,
advertisement for the ril ws own orepereta the merehant or Two magedyeu the
property or service;
Copyright 0206 JPMorgan Chase & Ca AN rights reserved
M4,,Tzzt ,
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S.
4904 relating to unsworn falsifications to authorities, that he is John K
Wells, Manager of Chase Bank, USA, N.A.., plaintiff herein, that he 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 his knowledge,
information and belief.
Bank, USA, N.A..
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-07778 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
HARVEY HARRY R SR
SHARON LANTZ
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
HARVEY HARRY R SR
was served upon
the
DEFENDANT , at 1842:00 HOURS, on the 15th day of January, , 2008
at 6952 WERTZVILLE ROAD
ENOLA, PA 17025
HARRY HARVEY SR
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
18.00
23.04
.00
10.00
.00
V 51.04
Sworn and Subscibed to
before me this
of
day
So Answers:
R. Thomas Kline
01/16/2008
WELTMAN WEINBERG REIS
By.
Deputy Sher f
A.D.
PAUL F. D'EMILIO, ESQUIRE
ATTORNEY I.D. #16654
PAUL M. SCHOFIELD, JR, ESQUIRE
ATTORNEY I.D. #81894
905 W. SPROUL ROAD, SUITE 105
SPRINGFIELD, PA 19064
(610) 338-0338
THIS IS AN ARBITRATION MATTER
ATTORNEY FOR PLAINTIFF
ERIE INSURANCE EXCHANGE COMMON PLEAS COURT OF
AS SUBROGEE OF KEVIN KESSLER CUMBERLAND COUNTY
AND HEIDI KESSLER
3410 W. 12T" STREET
ERIE, PA 16505 NO. 07-7776
VS.
AQUA PENNSYLVANIA, INC.
762 LANCASTER AVENUE
BRYN MAWR, PA 19010 CIVIL ACTION
ORDER TO SETTLE. DISCONTINUE AND END
TO THE PROTHONOTARY, P.C.:
Kindly mark the above entitled matter settled, discontinued and ended upon
payment of your cost only.
d).J-
Paul F. D'Emilio, Esquire
Attorney for Plaintiff
t .s +'v
C:7 czD
0
9? cx,
h-7
{= ziw
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OD <
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
HARRY R HARVEY SR
Defendant
No. 07-7778 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.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077479
Judgment Amount $ 6658.10
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. 07-7778 CIVIL TERM
HARRY R HARVEY SR
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, HARRY R HARVEY SR above named, in the default of an
Answer, in the amount of $6658.10 computed as follows:
Amount claimed in Complaint
$6241.14
Interest from December 11, 2007 to April 3, 2008 $116.96
at the legal interest rate of 6% per annum
Attorney's fees $300.00
TOTAL $6658.10
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.
WWR#06077479
By;
WILLIAM T. MOLC N, ESQUIRE
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiff's address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7t' Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 6952 WERTZVILLE ROAD, ENOLA, PA 17025
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff Case # M --}-}1 8 ?AV)+. 1Ccr,v )
HARRY R HARVEY SR
Defendant(s)
IMPORTANT NOTICE
TO: HARRY R HARVEY SR
6952 WERTZVILLE RD
ENOLA,PA 17025
Date of Notice: WWR## : 06077479
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: C r"0.1,1 iG 'J v... d V?7t9(??VWo?+?-?
PATR=-C:.'K THOMAS WOODMAN
PA I.D. $#34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 KOPPERS BLDG, 436 7TH AVE.
PITTSBURGH, PA 15219
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
HARRY R HARVEY SR
Defendant
Case no: 07-7778 CIVIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, HARRY R
HARVEY SR is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (DMDC), which states that the Defendant, HARRY R HARVEY SR is not in the military service.
Further Affiant sayeth naught.
AFFIANT
SWORN TQ ND SUBSCRIBED in my presence this
of WO&.
COMMONWEALTH OF PENIIdSYLVANIA
Nc':; ':Ai S'al
NOTA Y PUBL Wendy L. G.,' A, °t:;ary Public
City Of PW.t) .qh, Ai;,Agheny County
My Commission; Exp"i?$ July 15, 2010
Member, Pennsylvania Association of Notaries
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.
1.._
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
APR-11-2008 10:58:39
< Last Name First/Middle Begin Date Active Duty Status Service/Agency
HARVEY HARRY 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: http;//www.defenselink.mil/faq pis/PC_09SLDR.html
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 4/11/2008
Request for Military Status Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: NFRDRI (JHI
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/11/2008
? Q c c;o -,,
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71
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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. 07-7778 CIVIL TERM
HARRY R HARVEY SR
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or ud ent was entered against you
on /
(xx) Assumpsit Judgment in the amount
of $6658.10 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.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
(xx) Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By:
PROT ONOTARY ( Y)
HARRY R HARVEY SR
6952 WERTZVILLE RD
ENOLA,PA 17025
c/o Weltman,
Plaintiffs address is:
Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA
1-888-434-0085
15219
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS.
HARRY R HARVEY SR
Defendant
M&T BANK
WOODFOREST NATIONAL BANK,
Garnishee,
No. 07-7778 CIVIL TERM
PRAECIPE FOR WRIT OF EXECUTION
(BANK ATTACHMENT and LEVY)
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.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077479
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS. Civil Action No. 07-7778 CIVIL TERM
HARRY R HARVEY SR, W 5d kVrizvi lie Rd
Defendant &AX, AA Mai- / G Sg .( D
?P
M&T BANK, Ohe Forge ed, &0 i S wi AA 1'7W7
WOODFOREST NATIONAL BANK, j,%p Ca jj cg? PiKE 11%G50 ". PA 1'7060
Garnishee
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Kindly issue a Writ of Execution in the above matter...
I. directed to the Sheriff of CUMBERLAND County: t4 sr
2. against HARRY R HARVEY SR, Defendant -c ltvy 016 prop
3. against M&T BANK AND WOODFOREST NATIONAL BANK, Garnishee
4. Judgment Amount $ 6658.10
Less payments of $ 56.72
Interest $ 189.35
Costs
SUBTOTAL:
$ 6790.73
Costs (to be added by Prothonotary): $
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: i
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077479
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-7778 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s)
From HARRY R. HAP-VEY a SR., 6952 Wertzville Road, Enola, PA 17025
(1) You are directed to levy upon the property of the defendant (s)and to sell any and all personal
property of Defendant.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
M&T BANK, One Forge Road, Boiling Springs, PA 17007
WOODFOREST NATIONAL BANK, 6520 Carlisle Pike, Suite 550, Mechanicsburg, PA 17050
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $6,601.38
Interest -- $189.35
Atty's Comm %
Atty Paid $170.54
Plaintiff Paid
Date: 10/17/08
(Seal)
L.L. $.50
Due Prothy $2.00
Other Costs
Curt' R. Long, P o otary
By:
Deputy
REQUESTING PARTY:
Name WILLIAM T. MOLCZAN, ESQUIRE
Address: WELTMAN, WEINBERG & REIS CO., LPA
1400 KOPPERS BUILDING
436 SEVENTH AVENUE
PITTSBURGH, PA 15219
Attorney for: PLAINTIFF
Telephone: 412-434-7955
Supreme Court ID No. 47437
?Wc
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Y2-. #ftun. j ,qV.
ASU/l?s -k
INTERROGATORIES IN ATTACHMENT
1. At the time you were served or at any subsequent time did you owe the defendant any money or
were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money
or were liable to him for any reason? e e 'D
Ia. If the answer to Interrogatory 1 is in the affirmative, state the following: the amount
of money you owe or owed to defendant, and, if such money is in the form of a find, the .present location thereof,
the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written
instruments and the present location of each of such instruments; the amount or amounts that defendant claims or
claimed that you owe or owed to him; and the nature and amount of each of such liabilities.
Nl?
2. At the time you were served or at any subsequent time was there in your possession, custody or
control of yourself and one or more other persons any property of any nature owned solely or in part by the
defendant Q
3. At the time you were served or at any subsequent time did you hold legal title to any property of
any nature owned solely or part by the defendant or in which defendant hold or claimed any interest?
?v
4. At the time you were served or at any subsequent time did you hold as fiduciary any property in
which the defendant bad an interest?
5. At any time before or after you were served, did the defendant transfer or deliver any property to
you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof?
00
6. At any time after you were served did you pay, transfer, or deliver any money or pi operty to the
defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant
against you? , `
N0
7. If you are a bank or other financial institution, at the time you were served or at any subsequent
time did the defendant have funds on deposit in an account in which finds are deposited electronically on a
recurring basis and which are identified as being funds that upon deposit are exempt from execution, lr3vy or
attachment under Pennsylvania or federal. law? If so, Identify each recount and state the reason for the exemption,
the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring
basis.
pamb It- Q- db
8. If you are a bank or other financial institution, at the time you were served or at any subsequent
time did the defendant have funds on deposit in an amt in which the funds on deposit, not including any
ofharwise exempt Stile, did notawceed the amen of ft gmqW moseary a wniption under 42 Pa.C.S. § 8123? If
so, identify each account. 1 "
WELTMAN, WEI B?IERG & REIS CO., L.P.A.
William T.,1e
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1404 Koppers Building
436 Avenue
Piftorjk PA 15219
(412) 4347955
WWRtMt16Q77479
MWV'.MvAt SV.
VERIFICATION
4'.'96ct- " f rN'4'V'4r I N A, ?S .
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unswom falsifications to authorities, that he/she is AW%P3
?fY?U?T !A'(?uiNK1. garnishee herein,
(Title) (Company)
that helshe is duly authorized to makethis verification, and that the facts set forth in the foregoing
Answers to Interrogatories are true and correct to the best of his/"owledgg, information and belief.
s
JESSICA L. BLACK
` Notary Public, State of Texas
k., fryOf t
Commission Expires 8-29-10
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W
TIN
R. Thomas Kline, Sheriff, who being duly sworn according to law, states
this writ is returned STAYED, DUE TO BANKRUPTCY.
Sheriff s Costs:
Docketing $ 18.00
Poundage 3.63
Advertising
Law Library .50
Prothonotary 2.00
Milage 23.00
Surcharge 60.00
Levy 60.00
Post Pone Sale
Garnishee 18.00
Postage
TOTAL $ 185.13 ,/
JI11310 4 -
b Z :E d OZ 100 0001
JJ183HS 3H1 ?01jIjA0
Advance Costs: 300.00
Sheriff's Costs: 185.13
114.87
Refunded to Atty on 11/04/08
So Answers;
R. Thomas Kline, Sheriff
B jatt?ia-,,/
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-7778 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s)
From HARRY R. HARVEY , SR., 6952 Wertzville Road, Enola, PA 17025
(1) You are directed to levy upon the property of the defendant (s)and to sell any and all personal
property of Defendant.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
M&T BANK, One Forge Road, Boiling Springs, PA 17007
WOODFOREST NATIONAL BANK, 6520 Carlisle Pike, Suite 550, Mechanicsburg, PA 17050
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof,
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $6,601.38
Interest -- $189.35
Atty's Comm %
Atty Paid $170.54
Plaintiff Paid
Date: 10/17/08
L.L. $.50
Due Prothy $2.00
Other Costs
24(-1?4
Curti A. Long, Pro o ry
(Sea])
REQUESTING PARTY:
Name WILLLAM T. MOLCZAN, ESQUIRE
Address: WELTMAN, WEINBERG & REIS CO., LPA
1400 KOPPERS BUILDING
436 SEVENTH AVENUE
PITTSBURGH, PA 15219
Attorney for: PLAINTIFF
Telephone: 412-434-7955
By:
Deputy
Supreme Court ID No. 47437
SHERIFF'S RETURN - GARNISHEE
CASE NO: 2007-07778 P
COMMONWEALTH OF PENNSLYVANIA
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
HARVEY HARRY R SR
And now MICHELLE GUTSHALL Sheriff or Deputy Sheriff of
Cumberland County of Pennsylvania, who being duly sworn according
to law, at 0009:14 Hours, on the 29th day of October , 2008, attached
as herein commanded all goods, chattels, rights, debts, credits, and
moneys of the within named GARNISHEE ,
M & T BANK in the
hands, possession, or control of the within named Garnishee
812 1/2 W HIGH ST
CARLISLE, PA 17013
Cumberland County, Pennsylvania, by handing to
TAMMY CUNNINGHAM (CSR) ,
personally three copies of interogatories together with 3 true
and attested copies of the within WRIT OF EXECUTION and made
the contents there of known to Her .
Sheriff's Costs: So answer
Docketing .00
Service .00
Affidavit .00 R. Thomas Kline
Surcharge .00 Sheriff of Cumberland County
.00-
. 00
11/03/2008
Sworn and Subscribed to
before me this day of By
LID--
Deputy Sheriff
A.D
SHERIFF'S RETURN - GARNISHEE
CASE NO: 2007-07778 P
y COMMONWEALTH OF PENNSLYVANIA
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
HARVEY HARRY R SR
And now MICHELLE GUTSHALL
,Sheriff or Deputy Sheriff of
Cumberland County of Pennsylvania, who being duly sworn according
to law, at 0011:09 Hours, on the 29th day of October , 2008, attached
as herein commanded all goods, chattels, rights, debts, credits, and
moneys of the within named GARNISHEE
WOODFOREST NATIONAL BANK in the
hands, possession, or control of the within named Garnishee
NOBLE BLVD
CARLISLE, PA 17013
Cumberland County, Pennsylvania, by handing to
TAMI MCKEE (RETAIL BANKER)
personally three copies of interogatories together with 3
and attested copies of the within WRIT OF EXECUTION
the contents there of known to Her
true
and made
Sheriff's Costs: So
Docketing .00
Service .00
Affidavit .00 R. Thomas Kline
Surcharge .00 Sheriff of Cumberland County
.00
00
11/03/2008
Sworn and Subscribed to
before me this day of By
Deputy Sheriff
A.D
1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
No. 07-7778-CWIL TERM
VS. PRAECIPE TO SETTLE, DISCONTINUE
& END AS TO THE GARNISHEE
M&T BANK AND WOODFOREST NATIONAL
BANK ONLY
HARRY R HARVEY SR
Defendant
M&T BANK AND
WOODFOREST NATIONAL BANK
Garnishee FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt
PA I.D #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06077479
t
1
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
HARRY R HARVEY SR
Defendant
M&T BANK AND
WOODFOREST NATIONAL BANK
Garnishee
Civil Action No. 07-7778-CIVIL TERM
PRAECIPE TO SETTLE DISCONTINUE AND END
AS TO THE GARNISHEE, M&T BANK AND WOODFOREST NATIONAL BANK, ONLY
TO THE PROTHONOTARY OF COUNTY:
Please kindly Settle Discontinue and End the above captioned matter as to Garnishee, M&T BANK AND
WOODFOREST NATIONAL BANK, only, upon the records of the Court and mark the cost paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
r----?
By.
James C. ai brodt
PA LD #4 52
WELT N, INBERG & REIS CO., L.P.A.
1400 K ppe s Building
436 Se en Avenue
Pittsb , PA 15219
(412) 4-7955
WWR#06077479
Sworn to and subscribed
Before me the
Wes: y L U , ?. auk ? ?-
Day ovember 2 08. cty of I'?K ??ry ;r'by ty ._._.?
My Cemrr. ?sion r? Duly 1 (' { 0
tvember, PEA P
NOTARY PUBLIC
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