HomeMy WebLinkAbout08-0172IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
UNIFUND CCR PARTNERS
ASSIGNEE OF PALISADES CIVIL ACTION
COLLECTION, LLC
10625 Techwoods Circle .
Cincinnati, OH 45242
Plaintiff
vs.
ANHTUAN NGUYEN
27 LENOX CT
MECHANICSBURG PA 17050
Defendant
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 to
Defend are served, by entering a written appearance personally or by an attorney and filing in
writing with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for any
other claim or relief requested by the plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE.
MIDPENN LEGAL SERVICES
401 EAST LOUTHER STREET
CARLISLE, PA 17013
717-243-9400
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
UNIFUND CCR PARTNERS
ASSIGNEE OF PALISADES CIVIL ACTION
COLLECTION, LLC .
10625 Techwoods Circle
Cincinnati, OH 45242 .
Plaintiff
NO: 6 P- /7.Z ~c.vc.2 ~-~.-~
vs. :
ANHTUAN NGUYEN
27 LENOX CT :
MECHANICSBURG PA 17050
Defendant
COMPLAINT
Plaintiff, UNIFUND CCR PARTNERS ASSIGNEE OF PALISADES COLLECTION,
LLC, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the
Defendant as follows:
1. Plaintiff, UNIFUND CCR PARTNERS ASSIGNEE OF PALISADES
COLLECTION, LLC, (hereinafter "Plaintiff') is a Ohio corporation with a principal place of
business located at 10625 Techwoods Circle, Cincinnati, OH 45242.
2. The Defendant ANHTUAN NGUYEN (hereinafter "Defendant") is an adult
individual residing at 27 LENOX CT MECHANICSBURG PA 17050.
3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase
and collection.
4. Defendant applied for and received a credit card issued by CITIBANK SOUTH
DAKOTA NA with the account number 5410654544128710.
5. The within account was sold by CITIBANK SOUTH DAKOTA NA to Unifund for
valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of
Sale, Affidavit and Assignment attached hereto as Exhibit "A.")
6. Use of the CITIBANK SOUTH DAKOTA NA credit card was subject to the terms
of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit
card. (See, Cardmember Agreement attached hereto as Exhibit "B.")
7. Defendant used the CITIBANK SOUTH DAKOTA NA credit card account
number5410654544128710, for purchases, cash advances and/or balance transfers.
8. The Defendant was mailed account statements relative to the Defendant's use of the
subject credit card. (See, Card Statements attached hereto as Exhibit "C.")
9. The Defendant defaulted under the terms of the Agreement by failing and refusing
to make monthly payments on the account as they became due.
10. The account became delinquent on July 3, 2006.
11. The principal amount was $11,412.32 at the time it was received by Plaintiff.
12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate
of 32.24.
13. The total amount due and owing the Plaintiff including interest, is $16,994.00.
14. Pursuant to the terms of the Agreement, Defendant is liable for Plaintiffs court
costs and reasonable attorney's fees in the amount of 25% of the balance.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $16,994.00 plus costs of suit, reasonable attorneys' fees of $4,248.50 and any other
relief as the Court deems just and appropriate.
Respectfully
Edwin A. Abrah & Assoc.
Michael F. R ford, Esquire
Scott J. B ,Esquire
Atto .D. Nos.: 86285/93600
1729 Pittston Avenue
Scranton, PA 18505
mratchford@eaa-law. com
sbest@eaa-law.com
~Ktirbl~
AFFIDAVIT OF INDEBTEDNESS
State of Ohio )
County of Hamilton) ss.
Kim Kenney, being sworn, deposes and says that she is an authorized representative of Unifund CCR
Partners, servicer, which is doing business at 10625 Techwoods Circle, Cincinnati, Ohio 45242, and that she
is authorized to make the following statements and representations which are within her personal
knowledge, and that she is competent to testify to the matters stated herein.
To the best of her knowledge the Defendant is not now in the Military Service as defined in the Soldier's
and Sailor's Civil Relief Act of 1940 and amendments thereto.
There is due and payable from ANHTUAN NGUYEN, Account Number 5410654544128710, the amount
of $15693.63.
This account was issued under the name of CITIBANK SOUTH DAKOTA NA and acquired from Citibank
_(South Dakota) NA: Said acc~urit~~lia$..been.fot`ward~~_ta .Law O~fcs af~Ed~n A: A r ..arnset~. .. .as
attorney for Plaintiff Unifixnd CCR Partners assignee of Palisades Collection LLC, for the purpose of the
commencement of a legal suit, with full power and authority to do and perform all acts necessary for the
collection, adjustment, compromise or satisfaction of said claim as perrYUtted by law.
I do solemnly declare and affirm under the penalties of perjury that the matters set forth above are true and
correct to the best of my knowledge.
~~ 1 ~ ~n ATE this 10/22/2007
CCR PARTNERS
By: Kim Kenney, Authorized Representative
Title
10625 Techwoods Circle, Cincinnati, OH_45242
Address
I hereby certify that on 10/22/2007, before me, the
State/County aforesaid, personally appeared the ab
form of law.
a tart' Public for the
~ffian and made oath in due
`~ttitVUr rtnrrrii~~ ~~
.`~ ?'' ~i~ ~~;j~~l~~'P JENNIFER
~ '"" NOTARY
_ ~*{-~~ PUBUC
,,,.y.ro- , ~°}~ - STATE O F O H I O
':~~~~~<=~~' ~~:' Comm. Expires
~'~., ~~••~s''•' ~c`~ July 04, 20
12
•,~~~,yTF ~OF' 10`'`~O`\``\\`
My commission Expires
1300
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This Agreement and the folder ccntaining tha card Cre ,Jour t,itib3nk Card ~ ~~~
Agreement. The folder costa€ns ImpaRar~t aCCCI!nt iri~GrmabOn, inCiUding the .. .
.. ., ,
. ~'' ,~ annual percentage rail and t;`lc amClnt Cf any men"b~rship fe°. "rledSe read , :. _ t/~ ~.. '
,' ~• .ti
• and keep the t;;tder and this Agreement for aeur records. , . ~®+~ ''-
To simpii rthe rest of this Agreement to you, the foilcvding definitions ~:vill
• ~ apply. The vrords you, your. and yours mean the person responsible sot this ~ .
. Agreement, to ~:rhom wa direct the billing statement. Tile word .ard means
. one or more cans vdhicit ~~•e gave issued ~~rth ~;rout account number. The .
. words ~rti'e, us, and our mear~ Citibank (South uakctai, ~l.A. '+. he ~rords .
Ciiibarrk che~,ss mean one cr mere checks that ,+re slay provide to access
your Citibank card account. This Agreement is binding on you unless you ~,
cancel year account within "days aver receiving the car..i and you have not '
used or authori~ad use of your account, r. ,
Using Your Account and Your Credit i_ine: h: ~ ,
"• ~ The card must be signed to be used. Your inltlal Credit line appears on the q. ~ • ~ '
• • folder containing the card. A portion cf your credit line, called the cash
advance limit, is available for cash advances. At our discretion and at anv ~ •
. . .- time, we may change your credit line or cash advance limit. We will notify '
• ycu if we do, either by mail or through a billing statement Sant either before
. ~ or after the change takes effect. You may request a change to your credit line
. or cash advance limit by contacting Customer Service by telephone or mail ~r .
,.:" - -~ ,
' The fu(I amount of your credit line is available to buv or lease gcods or
,; ; :. . ~~-,~.: ":: ~,; services wherever the card is honored. Your cash advance limit is available ~~ , .. ~ ~ '
for cash thrcugh any bank or automated teller machine that accepts the card ~.. '
' - or by using Citibank checks. The total amount charged en your account,
• , ::., including purchases, batance transfers, cash advances, finance charges, fees, ' '. ;,, ~'
• or other charges, must always remain below your credit line. However, if that ~ = . ~~.~ ., { , '
total amount exceeds ;dear credo line you must still pay us. f '" `
Additional Cards; ~, ° .
r ;. -
'.~ ; You may request additional cards on your account for yourself or others "-~~ •• . ~ , ~ ,. .
• ~ and you may permit another person to have access to the card or account ~' . ,~ ~ '
• number. However, if you do, you must pay us ,or ail charges made by those
' _ persons, including charges for ~,vhich you may not have intended to be s` ~ "
. ~ responsible. You must notiy us to revoke permission for any person you i• . .
previously authorized to use your account. if you teN us to revoke another ~,
perscn's use of your account, we may close the account and issue a new ~ •
card ar cards with a different account number. You are responsible for the
• use of each card issued on your account according io the terms of this '
Agreement. ~' •
.~ ;r:.
;,.
. Membership l=ee: '~ • ,
The folder containing the card indicates whether your account is subject to a ~`~
membership fee. If it is, the fee is added to the purchase balance and is non-
' refundable unless you notifij us to cancel your account within 30 days from
the mailing date of the billing statement on ~~rhich the fee is billed.
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Cititaank Checks:
%;tibank chei,ks may be use~~ fo purchase gag's and serrr;~.s cr *.r; ;btair, cash
Up t0 tfiE amaunt at ~+.^-•Ur aV11I:.tb1F, CaStl aQ4anG' ilr'lit i!r!:SS thet amaunt `tlih
cause the balance to exceed your cr?dl# Inc. ~!le ~xiil IrEat Citiban~ checks as a
cash adv;:as: and charge `ham against your gash ad~~anc= !imt. ~3ch Cii!~~artk
Ci18Ck fnl!SI iE ;n ifie icrm 'tVE !lave I:SU?~~ anu n'tUSt b@ US2d dCCar(?.Pg to arly
Ii1Str~SGfIGnS 'rVe jive yca. Citiban:e chec:fs may n; UScd ~~'ii'! t)'/ iitr, N4f;fd1 `:VhGS2
name is primer; an thEm. Citibank checks ma;:~ cot cE used e pay rr, airaura
aarEr] to us under this or any tither Citibank Card ~.greEmert. ~Ple ~,viil act .er:ify
ary Citihan~. checr;s, nor ~rril! we return paid Citibank chec~s.
Return11ed Citibank Chsck Fee:
;rl.fa `,aai _di} ~^ X29 E8E iG'.he CaS~n advance ~%!^f1C° ,f:';u r'.C!If?e `C ~G'n•^.~r ~~
Ci'Ibanit ch°C':. ti/./f; i'laj' (1ECI;iIE t0 ~;anaf a Cr;iank CfteC~:'.f. C~i ,;+:,r:Hle, the
i. 'Pt' . , ~~rfi!'
ar creoit iin.e i# yca~ dE~~uit, if you did not compi•,r ~ri.h oar it truc;ions regarair•;g
ttl? ChECk, if ?rGUr aCCaUnt !iaS been CIGSEd, ar ii tilE Card haS ~xplrEd.
Stop Fa~,rment i=e~:
We will add a 529 f<:e to the cash advance balance 'when payment of a Citibank,
check is stepped at your request. You may stop payment an ~ Citibank check by
notifying us in writing at P.O. Box 6500, Sioux falls, South Dakota 57t 17 or by
calling us at the telephone number fisted an the billing statement. I# you calf, you
must confirm the coil in writing t~rithin t4 darts. A vrritter; stop pay/moat order will
remain; in effect #or six months unless renesved in writing.
Once a charge is made through the use of the card or account number we
cannot "stop payment" on the charge. i# there is a dispute involving a charge an
~, ci_,r -~cc~uht. plEase refer to the section entitCEd "+1J;'lat To ~a !# ~ hEre's An Error
1 n 'four f3!ii".
Lost or Stolen Cards, Account i~dumbers or
Citibank Checks:
I' ny card. accoani number or Citibank check is fast or stolen or if you think
s~;rnEO;;E ~a.ed er Tlay usE them'~rrithout your permission, notify us at once by
c?fling ire telephcnE number showy on the billing statement or the number
ohtrine~ :.:~ caitul,~ tc~lf-frEe or local Directory Assistance. ~hle may require you to
p;r.•vide certain infermatian in writing to help us #ind out'ahai happEned. Dana use
the card or the Citibank checks after we've bean notified. even if they are found
or returned. You may be liable for unauthorized use of the card, but not for more
than 550. You want be liable #or unauthorized purchases or rash advances made
after we'vE bEen notified of the loss cr the the#i; however, you must identify for
us the charges on the billing statement that vaere not made by you, ar someone
authorised by you, and from which you received no t;enefit.
De#ault:
You default under #his Agreement if you (ail to pay the minimum payment
fisted on each billing statement when due, fail to make a payment to any
other creditor when due, file for bankruptcy, exceed your credit line without
permission, pay by a check or similar instrument that is not honored or that
we must return because It cannot be processed; pay by automatic debit that
is returned unpaid, er default on any other Citibank Card Agreement. If you
de#aui, we may close your account and demanc immediate payment of
t e #uif balance. i# you have given us a security interest in a certificate of
deposit or a savings account, we may use the deposit amount tc pay any
amaunt ;you owe.
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AGGOUNT NUMBER BALAHGE AS OFD PAYMENT DUE DATE MINIMUM PAYMENT PAYMENT EHGLOSED
10M 9(2007
5410654544128710 15,693.62 PAST DUE mm~~ 15,69:3.62
~~ Iklx ChldCS Padffile To IInILntl
UNIFUND STATEMENT
ANHTUAN NGUYEN
27 LENO}{ CT
MECHANICSBURG PA 17050
MESSAGE FROM UHIFUND
OUR ACCOUNT IS PAST DUE $15,693.62. THE PAST DUEAMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE
IMMEDIATELY. IF YOU HAVE ALREADY SENTAPAYMENT FOR THEABOVEAMOUNT,THANKYOU.
'TRANSACTIONS:
Date Transaction Balance Du~ Payments Hew Balance
1 OM 912007 This Account Was Issued Under The 15,693.62 15,693.62 0 15,693.62
Name ~f CITIBANK SOUTH DAKOTA
NAand Acquired From Cftibank (South
Dakota) NA.
PROMPT CREDITING OF PAYMENTS. TO RECEIVE CREDIT FOR PAYMENTS AS OF THE
DATE OF RECEIPT, WEMUST RECEIVE YOUR CHECK OR MONEY GRDER AT:
UNIFUND
10625 TECHWOODS CIRCLE
CINCINNATI, OH 452A2
PAYMENTS RECEIVED AT TH E AB OVE AD DR ES S I N TH E MAN NER SP EG I F I ED AFTER THAT
TIME WILL BE CREDITED TO YOUR ACCOUNT AS OF OUR NE7(T BUSINESS DAY. THE
CREDITING TO YOUR AICCOUNT OF PAYMENTS RECEIVED AT ANY LOCATION OTHER THAN
THE ABOVE ADDRESS MAY BE DELAYED UP TO 3 DAYS OF RECEIPT.
THIS COMMUNICATION IS FROM A DEBT COLLECTOR. FEDERAL LAW REQUIRES US TO INFORM YOU THAT
THIS IS AH ATTEMPT TO COLLECT A DEBT AHD ANY INFORMATION OBTAINED IhALL BE USED FOR THAT
PURPOSE.
~• ~ ~, ~
y ~
Ezh~b~l C
07/27/06 $11726.48
ANHTUAN NGUYEN
ATTNY ACCOUNT-CODE=URU1
MECHANICSBURG PA
17050-8216000
$11726.48 SITE:KC-CL TM:CO-5000 ACID:R0B0770
09/26/07 23:24:54:
CITI CARDS
PO BOX 183051
COLUMBUS, OH
43218-3051
Citi~° Driver's
Ed9e~ /1m
Cltl
Platinum Sel ect Card-Charter Rbts
Attount Number
5410 6545 4412 8710
Customer Servfee:
1-800-925-8871 Total Credit Line Avallable Credit Llne Cash Atlvance Limit Avallable Cash Limit New Balance
$10100 $0 $3900 $0 $11726.48
BOX 6062
SIOUX FALLS, SD Statement/ Amount Ovor
Closin Date Credit Un• Past Due PurchlAdv
Mlnimum Due Mlnimum
Amount Due
57117 O7/03/2~06 $1b26.48 $2701.07 $431.16 $11726.48
Sek Data Post Date Rofarance Number Actfvlty Sinte Lest Statamont Amount
Standard Purch
7/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 9.20
84 0000 0000000000
Standard Adv
7/03 ADVANCES*FINANCE CHARGE*PERIODIC RATE 116.49
84 0000 0000000000
Balance Transfer - Charged To Offer 4
7/03 PURCHASES*FINANCE CHARGE*PERIODIC RATE 188.47
84 0000 0000000000
Help is available! Please call the toll-free number shown above to learn about
our special payment options. Call Monday - Friday, 7 am to 9 pm, or Saturday,
8 am to 5 pm, Central Time. Please give us the opportunity to assist you.
Our records show home phone 717-691-8235 and business phone 717-791-9411.
Please update coupon if incorrect.
Previous (+) urchases {-) Paymen s (+ I ANC (= New
Account Summary Balance 6 Advances & Credits CHARGE Balance
PURCHASES 7,180.55 0.00 0.00 197.67 $7,378.22
CES $ ;
TOTAL 1,412.32 0.00 0.00 314.16 1,726.48
$
Da s Th!s Blllln Period: 31
Rate Summary a ante 5u )ec o Brio is Nomina ANNUAL
Finance Charge Rate APR PE RCENTAGE RATE
PURCHASES
Standard Purch $338.54 0.08764%(D) 31.990% 31.990%
Offer 4 $6,937.21 0.08764%(D) 31.990% 31.990%
ADVANCES
Standard Adv $4,287.88 0.08764%(D) 31.990% 31.990%
F~ ~, -+r~ it~ X~
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff,UNIFUND CCR PARTNERS ASSIGNEE
OF PALISADES COLLECTION, LLC, am fully familiar with the facts set forth in the within
Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the
facts set forth in the within allegations are true and correct to the best of my knowledge, knowing
that any false statements are punishable by law pursuant to 18 C.S.A. 4904.
LAw O»c,Es
E ~n A. ABKA~iXMS~n
Assoc~~r~s, P. C.
1729 PSttston Avenue • Swanton, PA 18505
'Ibll Free: 1=800-503-1665 Phone: 570-558-5510 1~`ax: 570-558-5511
January 8, 2008
Cumberland County Sheriffs
1 Court House Sq.
Carlisle, PA 17013
Re: UNIFUND CCR PARTNERS ASSIGNEE OF PALISADES COLLECTION,
LLC vs. ANHTUAN NGUYEN
Our file Nos.: U07-0618
Dear Sheriff:
In regard to the above-noted matter, enclosed please find the following:
1. A true and correct copy of the Complaint;
2. The completed form for service;
3. A check for service;
4. Aself-addressed return envelope for the return of service.
Please serve the named defendant in accordance with the County Rules of Civil
Procedure. If you should have any questions or concerns, please do not hesitate to call me at
(570) 558-5510.
The defendants address is :ANHTUAN NGUYEN 27 LENOX CT MECHANICS$URG
PA 17050
Thank you for your attention to this matter.
Enclosures
mfr/MR
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David D. Buell
1Trothonotary
KirkS. Sohonage, ESQ
Solicitor
n f c i,
1750
Wfnee X Simpson
1St Deputy ltothonotary
Irene E. Morrow
2"d Deputy Trothonotary
Office of the ftothonotary
Cum6erfand County, Tennsy(vania
DO - ! wl,, CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 25T" DAY OF OCTOBER, 2011, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA
R.C.P 230.2
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square 0 Suite 100 • CarC?sCe, T
A 17013 0 (717 240-6195 0 Taf (717 240-6573