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HomeMy WebLinkAbout08-0772IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund CCR Partners 10525 Techwoods Circle CIVIL ACTION Cincinnati, OH 45242 Plaintiff VS. NO: ANGELA L BARRETT 3050 MORNINGSIDE DR CAMP HILL PA 17011 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 qqqwr It I- "IF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund CCR Partners 10625 Techwoods Circle CIVIL ACTION Cincinnati, OH 45242 Plaintiff vs. NO: 09 - 17.2 ??cui f T ANGELA L BARRETT 3050 MORNINGSIDE DR CAMP HILL PA 17011 Defendant COMPLAINT Plaintiff, Unifund CCR Partners, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Unifund CCR Partners, (hereinafter "Plaintiff") is a Ohio corporation with a principal place of business located at 10625 Techwoods Circle, Cincinnati, OH 45242. 2. The Defendant ANGELA L BARRETT (hereinafter "Defendant") is an adult individual residing at 3050 MORNINGSIDE DR CAMP HILL PA 17011. 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 CHASE MANHATTAN BANK USA with the account number 4253330000723244. 5. The within account was sold by CHASE MANHATTAN BANK USA to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. 6. Use of the CHASE MANHATTAN BANK USA 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 "A ") 7. Defendant used the CHASE MANHATTAN BANK USA credit card account number4253330000723244, 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 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 January 31, 2006. 11. The principal amount was $14,440.48 at the time it was received by Plaintiff. 12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 6. 13. The total amount due and owing the Plaintiff including interest, is $16,190.41. 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 $16,190.41 plus costs of suit, reasonable attorneys' fees of $4,047.60 and any other relief as the Court deems just and appropriate. Respectfully subXtted, Edwin A. Abrah sen & Assoc. Michael F. Ra ford, Esquire Scott J. Bes squire Attorney I. Nos.: 86285/93600 1729 Pittston Avenue Scranton, PA 18505 mratchford@eaa-law.com sbest@eaa-law.com 1300 ACCOUNT NUMBER BALANCE AS OF PAYMENT DUE DATE MINIMUM PAYMENT PAYMENT ENCLOSED 12A 7!2_007 4253330000723244 16,047.98 mmPAST DUE 16,047.98 U dz CheW P7gffile To UnILne UNIFUND STATEMENT ANGELA L BARRETT 3050 MORNINGSIDE DR CAMP HILL PA 17011 MESSAGE FROM UNIFUND YOUR ACCOUNT IS PAST DUE $16,047.98. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE IMMEDIATELY. IF YOU HAVE ALREADY SENT A PAYMENT FOR THE ABOVE AMO U NT,THAN K YOU. TRANSACTIONS: EDate Transaction Balance Due Payment New Balance 12/17f2007 This Account Was Issued Under The 16,047.98 16,047.98 0 16,047.98 Name Of CHASE MANHATTAN BANK USA NAand Acquired From Chase Bank USA NA. PROMPT CREDITING OF PAYMENTS. TO RECEIVE CREDIT FOR PAYMENTS AS OF THE DATE OF RECEIPT, WE MUST RECEIVE YOUR CHECK OR MONEY ORDER AT: UNIFUND 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 PAYMENTS R EC EIVED AT THE AB OVE ADD RES S I N TH E MANNER S PEC I F I ED AFTER THAT TIME WILL BE CREDITED TO YOUR ACCOUNT AS OF OUR NEICT BUSINESS DAY. THE CREDITING TO YOUR ACCOUNT OF PAYMENTS RECEIVED AT ANY LOCATION OTHER THAN THE ABOVE ADDRESS MAY BE DELAYED UP TO 5 DAYS OF RECEIPT. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. FEDERAL LAW REQUIRES US TO INFORM YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. -;tj,hd4 . ek - 1 40 lp Cardmember Agreement 1. ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account Any use of your account is covered by this agreement. Please read the entire agreement and keep it for your records. The entire agreement may be in separate parts, including this document and a "Rates and Fees" table that is expressly made a part of this agreement. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. Please sign the back of your credit card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whether you use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words "we", "us" and "our" mean Chase Manhattan Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word "card" means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. 2. USING YOUR ACCOUNT Your account is a consumer account and should be used only for personal, family or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawful transactions. For example, intemet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account We also refer to them in this agreement as a check or checks. You may use a check to pay for goods or services, to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks may also be referred to as convenience checks. • Balance Transfers: You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. Cash Advances may also be referred to as Advances. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement Billing Cycle: In order to manage your account, we divide time into periods called "billing cycles." Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether ? ? s ? y. a d d' >0 N o' T • . • • G 7° " °:. N °' 7' y --i. `' N 0D O ?' m ° _ M i °_ 3 0 C .Cd ° (d'1 o N Cd'i o c o `n o c_ uGi ?' Ca ° • •C K O m... m. - n m 5. _ CG C< d d ?C y < d (O F N t0 d M a.0. 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R your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, 0 our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. 11. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home or business telephone number or email address (if you elect to receive billing statements or other notices on line), you must notify us immediately in writing at the address shown on the back of your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. 12. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. 13. IWkoit CAfil)mtmbEHS: INFORMATION sM!t!NG Our Privacy Policy, which you have received,. describa our information! sharing practices and gives directions on how to opt out, or `direct us to limit the sharing of personal information about you with companies or organizations :outside of our family of companies. . Illinois law provides that we may not share information about you with companies or other organizations outside of'our family of comppaanies unless You. authorize the disclosure or unless the disclosure falls under another :exception in the law (such as sharing information to process your transactions for in response to a subpoena). You hereby agree that, if you choose not to exercise the opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about yod(including ;information related to any of the products or services you may Rave With any of our companies) with companies or other organizations outside of our family .of companies. 14. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. 15. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. 16. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. 11. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. 18. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. H we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.60 of the questioned amount, even if your bill was correct. Special Rules for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if we oven or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright © 2004 JPMorgan Chase & Co. All rights reserved. ADV2042 10/04 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Unifund CCR Partners, 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. 00 LAS N rl 03 r+c 0 State of Pennsylvania Cumberland County Unifund CCR Partners Plaintiff, V. Angela L Barrett Defendant. 08-772 Civil Term ANSWER Defendant, Angela L Barrett, Answers Plaintiffs Complaint and says: 1. I don't know 2. Agree 3. Agree 4. Agree 5. Agree 6. Agree 7. 1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 8. 1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 9. 1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 10.1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 11.1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 12.1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 13.1 don't know, Plaintiff's attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. 14.1 don't know, Plaintiffs attorney has not provided me with a signed copy of the contract. By way of this answer I dispute the validity of this debt. Ange . Barrett 3050 Morningside Drive Camp Hill, PA 17011 February 8, 2008 CC: Edwin A. Abrahamsen & Assoc 1729 Pittston Avenue Scranton, PA 18505 ??"". t? ??; ? 4 ?? ?- . rrZ r- tyti ? ? ?_. ? t? ?»^~ ,?,! -... `•?c' SHERIFF'S RETURN - REGULAR CASE NO: 2008-00772 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND UNIFUND CCR PARTNERS VS BARRETT ANGELA L TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE BARRETT ANGELA L was served upon the DEFENDANT , at 1520:00 HOURS, on the 5th day of February-, 2008 at 3050 MORNINGSIDE DR CAMP HILL, PA 17011-5818 ANGELA L BARRETT by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 13.44 Affidavit .00 Surcharge 10.00 00 1 44 Sworn and Subscibed to before me this day So Answers: a R. Thor as Kline 02/07/2008 EDWIN ABRAHAMSEN By: D:y6t_y Sher' f of A. D. Unifund CCR Partners 10625 Techwoods Circle Cincinnati, OH 45242 In the Court of Common Pleas of CUM ERLAND County, Pennsylvania Civil ivision Plaintiff vs. NO: ANGELA L BARRETT 3050 MORNINGSIDE DR CAMP HILL PA 17011 Defendant Praec' e to Withdraw Civil Complaint C7 n o _Z7 U1 7 a "E `r. To the Prothonotary of CUMBERLAND County Pennsylvania: Please enter the above Praecipe to Withdraw the Civil Comp] Thank you, Michael F. Ratchford, Es, Edwin A. Abrahamsen & Lawyer ID # 86285 120 N. Keyser Aven Scranton, PA 1850 P.C.