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Home My WebLink About08-1048i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. SUZANNE E WELSH Defendant No: D$' 1048 cWt lef'M 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 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06303948 C N Pit SXM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. SUZANNE E WELSH Defendant Civil Action No OP- /btior' Cu?:? -7Z- 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 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 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 A, t G LG• KYFF Kee our . 'Finances Fit • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest • Request a copy of your credit report from a credit reporting bureau regularly. KYFF-1001 1cw PLATINUM MASTERCARD ACCOUNT MAY 14 -JUN 13, 2006 5178-0526-0285-4941 Pge 1 of 1 Account Previous Balance $1,043.24 Ptymerm, Credits and Adjustments 00 Transactions $35.00 Finana Charges $1823 New Balance $1,096.47 Minimum Amount Due $1,0%A7 Payment Due Date July 11, 2006 Total Credit Line $300 Total Available Credit $.00 Credit Lin for Cash $300 Available Credit for Cash $.00 At your service To nE Cwtomer Rdsiom orm eqw a1•st•r atdm sack 1-800-903-3637 Sand pgmmu to: Smd iaguiria ea Atm: Rmunaaoe Pmcerlag Capihl One Bork C•p w Oat P.O. Box 790216 P.O. Box 30295 St Laois, MO 631794216 SLC, ter 84130-0285 Important Account lnformation Take conrol and a= paying your bill online fax free. Eliminate the bassle of writing chaks, finding stamps, and staling envelopes Everything your need to acres, review, and pay ym bill is available online. Our website offers you a convenient, ample, and amore my to maoar your acooam. Visa wwwxaphalone com and register your account to start simplifying your life todmyl Payments, Credits and Adjustments Tranmcdons 1 13 JUN PAST DUE FEE $35.00 You were assessed a past due fee of $35.00 on 06/13/2006 because your minimum payment was not received by the due due of 06/13/2006. To avoid this fee in the fume, we recommend that you allow at least 7 business days for your payment to reach Capital One. EXHIBIT Finanm Charges Pkarerae rem ms drfor important isftmarion Baremrrai e r tr A iP.&I 00 d lpR d S p r r r . PURCHASES 8956.12 OSSN%P 20.40% 81657 CASH 895.91 .05589%P 20.40% $L66 ANNUAL PERCENTAGE RATE applied this period 20.40% V" PLEASE RETURN PORTION BELOW WITH PAYMENT :DPAIWOW 0000000 0 5178052602854941 13 1096470133001096476 New Balance $1,096A7 Minimum Amount Dot., $lAQk 47 Pay.D.ResDwY _ Juy 11, 2006 Total enclosed $ . •. pmmNulmber: _ 5178-0526-0285.4941 Capital One Bank P.O. Box 790216 1'11' 111"III"a'I St. Louie, MO 63179-0216 1t11utt11uu111ne11s11sill nu166u1sill sssslLlLslsJsl P4erpenceethere6eger kremrug66ra ilmEdtt: S_ Gg Sn ZIP Ham. Ph— Alt—Phone #9016562809853221# MAIL ID NUMBER SUZANNE E WELSH N 220 N QUEEN ST SHIPPENSBURG PA 17257-1415 r Pleam urdeyarvarmant nmwberon ymvrEaxk or mmay order madepayabkto Capital Owhath and mail m th, ewlmaearulopc ER 8 gr b ? ? RN a. a- pied. you wr haw a frtiirr.an Rene p«Nd a 25 tby rdtltra M1trtm m rtew pu hlue, row balrtp israfin. flew ptsdtras afd row offer In lor piyn !a rs bMv., wltlr? Ftpa?tat end F tate for It m be eaedted by yotr rra ttuoerrtrt •?gp•dr naemra M adAHort, t?lwe N emus parbd ?nrirdNrt X you m oat PeY the tool 'New b. A.ariro Fitatw Crp¦. Trsa¦diera whkit are rot TUts dre of tlrrprretlarrimn tlr d? thel l tmrracdm N poceased m yrr Acwu. a 3) from ihe ir¦t platd.r dry a the cunt. bite Dsriod AAdNondy, X you dd rot p.y the 'New Balaws fi«n tM Prwla? tc. but fd yw.eor¦a X k Ir. aM.dy been eierd For ew.rpe. if you wtlrorhed a gaclr.e fen a mertlr[ and we receive the trrtrtibn fiefn the nwtltas .trer you tttma. ter been ttlasst4 you acca¦. vr? he rsopated, the amou. of the doves hY be added m your amourc. rd yywou wi be roq«r61e for paynw.. X 4ws b a rrwro«erip fee fir Y_ eooo.., the fee wo mrdne m he duped,balancem he coat. pemimed Ay bw. ur the amr¦. ht r been PYd F fi? p delbrd above. 7. =Y: Awrld.VOU pd «lccsud eamwt be lwdbn Wirt, rW k.rrtr p.mbitp trauod- S. llsebe Akre L7mb p y Oesk Wrn?>irt. WuMtayou pro n a cited, p VMF d you odwbe dove m ntt6" tote eta deelc to mate a e ns-tlmo tae kdo ebewwdc Burt trreNr Bart, yrn bWc a Ox a m erupt the p.yment r a duct to nuke at. When we us ir«mabm free Yota dvadt to make art ebeboric futd carder, firda rosy be vAdA- from V. brit -. p .curt r Uts ¦ane day we racmw your MVfd•fr. afd You yr rot fsorve Vot+dtedc tack Tmm Wu lir.ir FadtuNft. 8111N0 MGHTS SUMMARY (F Caw Of Tyra MO Owtre.a«w AXtom y_ BM :=- y«r 6N b rong, « You need more arb sep.rin lht a6rpoaBat'dGmaJuPisami for FprMe. afeam m the Boot of *10 astanent. We mot leer ffun yw ro her that 00 day..iW we eem you the fiat m Wide ih error a appprod Y. nn cat rI Lirnerrter Ralallerr matter, bu dektp r vA not p,sasw ya. dyrm. F yar ww, gtw u tte NMO.1rp k you name and acco of Mr bw, the doper arrteua of the orpecoed error.. descdpden of the error and rt opl.rrd«t, X pa.rb, a yw breve there h th area; «If V•u need mom a da.cdptim of the hem yw are urea .bra. yw m not love m MY •nv cement F wove we arc h, bu yw are i m WY the pun a yotr tM are rot F ePresiart. we ktv?pne wu Ppdon. we rarnot ?tny? d?rrgi?wn rote oW lcum m exPee.K me a,T Spsdr We For Credt C.W K.K. dX you hewn ! prohlan whh ie prrty of prfyerty « rrrdpa ,het yw wM ! eredt urd and yw It r tried F f¦M toprfecrthjxdv whh the du m tl?ie pso?perty «?rn4ep. YOUy M tli? protxtion oMy who tlr putltra ploe vaa m«s titan a(i0.00 aM tlr P.dree wr made in yeu Itmte ate « adv operate100 robe of you maiq adtia yest we owft « r6 fa lot, aid, a X ve cored 01he sd?arti¦:d for the p?er2y « sarMer, r pudu.e¦ !ro toured repaMwa o(.rmten «Nudm of ptrduw.) Pls..e rerrtanber to .i4t r oorreeportdertp. t Dow not aA* to oorasmw non-udit real ecmuds S Dow ller &A* b efnNasr non-erode cad Manorgs One aVpMs irilomuim pevwy pr«acden: see our n y . pm. OM It a 1009110Y Mgb*W sn ip mark 01 Caplet ? c«p«.tfa. AM dabs raver ed a 2003I.BnK pedode ram. To obtain the &-tape dry balance f« the at- oovsmd W tNa =.-" we take the WID esch ioe of aaea?dnrsa?tday, adpdaNan Wemmaw «cradb. If to code N appsaon 10 3 apnrl sMa l?munt?af W¦ .ta rty V fi/?oe _Fd d bl brie 6 welt a each .sprw..) TAN ¢e.r u the dry y Dllrtoe a wdt aeprw.. Tlten, we addop al the dry 6ela IOF esU to *ota ?uvaenr6ap«eodf¦d¦yyb bmi === lMdTriae pity u the ? of each carol Pmeard?a IN!¦a (APft mod. 3. A. a. -APW M Ire tl«R b. If the code P F hr nod ralw ary o«mapen mat uN Or.rtedY m the hen JaurW, g*A eta the m may appear as Q. C ICerdAp rea¦b W F The P y- erdrtp yrr .core. r a . nnrtw aw(le, . rrart.a. oxr AtM11CE a e0.60 vp N 4 d. X Me M o.. c. n w arse errrwc'r erwr¦¦¦erssetu:eayno. MsdiH re on tlee find N ym IIBO H I M p d o s d a p 1r ? m pi _ d v . irorrt.60 1M dfRsrerroe try he o « r a ? « r ?rd wy nratdiy ¦rrQm¦y or de«ea.e based on the b•sd m the p.dt.¦o aqn«. M ae41??.... d fie y Rsiull auM We roa«ve t .tame tet¦d F TM w.P Straet.buf»4 Dha bedew, r DreMotdY tM nrr?n deda.ed m ym. The.. dwrpn ftft to m any W or r al * dy ro t .?er r fYrce dirge. for arW Ov«r ..o be eXxeye m the firs[ d.y of yw 6iq D«Nd p« f o6 tY 2. Avr¦?¦ D.py Ml.nw (twYdr?t Nwv IY.drrl. ee 4. A. o-& ¦f L b. Owirt od RrrmW == q the dry e. Rrwtoe =16 = yow .two.e vM be eue..ed ro - then fid b.t.rtp r I aawt¦. (..p.r = bud have 1M otwu dt¦Ytp my brrtp p.dod Rieder the .dwatte, ptndt¦w, apaisl trrefa, and .pedr pratirr) dorm. of ym. earoorpr aprsanrd, we reserve the dart to by the dry padode r¦reW that lm. tee d l A d d f d t wt.Ae « not m a.aer try far vdtltau =f o!I- m d a ie N F l y pmvlou y to ytu t ft a a. r o m V the biq D«bd we .pply the diy P.rNdc ratio for v ad to arer « s m w wu w p ou r n ¦ Im« LFm. wpner. od y«r ¦x«mt m tM dry truce of a.ch 6. Yv Awwst X . nranberfh¢ fee ? TM m krp E S, di??fi m e dp the rs.rm oe re deN m tl .tat«rw. ova eis m a m `Mr , ? t f sadt. . .t tM mul pedode d Yos ool yar soma 7Ns redod. Yom rose nrtp eit dWsrpe for yotr.cpratt. To pet the doly 6.Irtfe fY t w v ecntlne to tr yeti acooud widA*wd hewtp to pay the fir grit ¦epnen a Wu.omta., w e nb tM 91 nremb«rdp 4¦s. To urreel Wu .oo«ss, you rout 1 WVy ra row u D y tttaltef dlal¢ pltlimee item pfevi- Z for the aepmeb. We tlteft strotfaet rW a f New (e>viudrtp the yy ??t rre1116efllpafr) plot m lhe end a the tarty-dsy pedoo. paWway « «edb po¦md r a in dry Chet .re routed B. X rp Crow Yv Awns. rw can rsquo to done m tlrt wprrwt Tlb aw u the .ptsrwe dray 6¦Wce fa grit .qrw. a ytt« .emu.. However, H you wN the yy«a.r aawu. by city wr Ctutamer Ralldorr oepanmrr. Vw rr.rt destroy yo« tied, prdl.) and New B.Nrto raven m yrdr ptsvlaa lntsrrtr. F Ad (« .coou.- dteclu, urtod ¦P pferded:sd M". X yrr new halite ww zero «. tied[ rrmu.l, row and p.r your .coca.. If yeti m not prwr m apr =P = zed arrafgrrfrrn, we vtN c«uidr pt.tiar nr 6alatoee. We : ;: = A, receim of a dtarpe y«r auhexrtlon m s fylOdRe the Nertp¦ dry halaroe Dy r iM 6alarroe. tnpe0w and 6Mdtip tlr wwt?Fti'Mil?rl Wu aowu. k r.. domed accoui. Add be amw¦.s you ewe a ttdudrtP: my r the days F the eater. biq 7YrJe. To peniam yrasair ho lrr My, lave r.Mfidz.0. Ttupe dwpw pave 1rt.rtp dtr(p, Wee sv«ape dry 6ahrrce by the , cue fee.. ovsdtdt few, renlred peym.m fire, wh dry reps ad Ur. n¦rbr a day. F the biq ¦dvrtw mw a.d rW alter tee. a.w.wd to you Ous m rrnrfpst a IryBwfi, then. rosy ts? seeaun. Yw ¦m rosporrbls for these amtdads vaeier ices vaNrwe be wee tfb nldi.tlon rd the r tea f tM dge41:lran Vo. am«ad .t the tkne you re }wo to fktrtp tarp arared w o te ae'betml er they an Fourred statsePUm m b. H iw code Z « N appears an the 1r«d of two subn«d y t Wu npmr to obi it rxrett. TN¦ fn¦y twit h rett m ?Brrce ire Apptstl To: we n e" the eiarpr ap?eartq m Wa accred ¦1mr you fever hapn'Ont New: P¦yrrtwro yes mr m u vr? be ondesd m yea atawu. p of the fdrrrter d.y we receive h, proNdW 11) Wu acrd the bottwn poNm of tiffs st¦tawm and yam dteck F its artotowd rerrtuwe .nvdepe ad W yea b recdted F «r poeewlno cant M 3 p.m. ET (12 down PT). PNaw row ¦t Iept 1ve 16) biker rNY• t« pier d•herY. Papnrme racrv¦d by u a aW otfta locates «in pW aMr iofm rota no[ 6e «edmA p of tM tlsy we rswFte ism. Qr btiww Me •re M«d.Y i.wrpA SatuWyr oaludmY ArdaYS. A.¦ae m tvri tfae staples, P?.r dips erc.pepaftg you PaMfr.. Whit Wtr rod u a drekW. Yw aulwlze u m make a «rthw abdrmic trader debt Bart yar tank axwn 4r th afrfot¦d of it eMck ThN aBm aPPRes m r dreb mwired duftq ife hiq cycle suit X rot by saner gibe. It we caswt props. the trarNr. yes audwdze u m mate a durpe apron yeta bnR acoaatt tfatrp 1h titedc, a Paper tr¦ft a tdfer iurft. Capfi afc SG• KYFF Kee our 'Finances it • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest • Request a copy of your credit report from a credit reporting bureau regularly. KYFF•1001 PLATINUM MASTERCARD ACCOUNT 5178-0526-0285-4941 JUN 14 - JUL 13, 2006 Page 1 of 1 Account Pieviow Balm $1,096.47 Payments, Credits and Adjostmems $.00 Transactions $35.00 Finance Charges $19.00 New Balance $1,150A7 Minimum Amount Due $1,150.47 Payment Due Date Angus lq 2006 Toni Credit Line $300 Total Available Credit 5.00 Credit Line for Cash $300 Available Credit for Crib $.00 Atyourservice T. osDCustomer Rdsto ato igort•lostorstolen curt 1-800-903-3637 Said payments tc Send ing-i fm Atm: ° -- -- -- Prooeriag c. fw One B.al c pie l one P.O. Bo. 790216 P.O. Bo. 30285 St Louis. MO 63179-0216 SLC, UT 84130-0265 Important Acommt Infonmuan Take control and start payv?g)um bill online fur five. Eliminate the bade of writing cL fending ramps, and sealing envelopes. Everything you Deed to access, revxw, and Pay y= bill n available online. Our webam: offers you a convenient, dmplq and secure way to mamtge 3mv wwwrt. Vlffit www.apitalone.oom and register your account to stare stmpfif * your lik today? Payments, Credits and Adjwtmmts Transactions 1 13 JUL PAST DUE FEE $35.00 You were aawffied a past due fee of $35.00 on 07/13/2006 because your minimum payment was not received by the due due of 07/13/2006. To avoid this fee in the future, we recommend tbat you allow at least 7 business days for your payment to reach Capital One. Fiance Charges PJurcrur revorsndejar inrjasant?iaja?rapwtisn & c CHAR u PURCHASES 61,008.04 .057%%P 20.90% $17.32 CASH $9757 .05726%P 20.90% SL69 ANNUAL PERCENTAGE RATE applied this period 20.90% PLEASE RETURN PORTION BELOW WITH PAYMENT v oB• 0000000 0 5178052602854941 13 1150470133001150472 New Balance $11150.47 Minimum Amount Doe $1.150.47 Payment Due Date Argos 10, 2006 Tool enclosed $ Aooonat Number. 5178-0526-0285-4941 Plraxprista&-&AV. lel•wale!({b1eelM" ink Stet Apt. sty s•0. 7.m Home Ph" Altama Fbm #9019562809853228# MAIL ID NUMBER SUZANNE E WELSH - Capital One Bank '11 220 N QUEEN ST P.O. Box 790216 1s1/1111r11111a1a1aa11 m = SHIPPENSBURG PA 17257-1415 St. Louis, MO 66a3179-0216 0 r11111111r1111r1r1111rIr11111t111r11111nIn11111r111111111111 11111111$1rIIrIr111111NJ 6111111811111111111111111111111ul1111 Plrsre r®itrysvarmiwt araabsr o0. ymvthsf or ntoary wide awdepayable to CapitalO,srBaeE red mail in the erulorrdemxlopc I- MMMM S MME MMMM 8 t a. Oasts Poled You wd he ye a rrrW toe Ivaco period of 26 dry" wfdWA fireee drape an raw pudrabe, row be&- that -IN new fped+l putl+esee aM rw Oliver drdpea N You MY You' lord 'NSW BdaaaW, in aoadrtm wNh the npatrl Notice for POWMU below, ;M AZ tine for It m be =00 by yar Hard AMRVOIK +=p+0MoarTMiarraeIf I ce Mn, the Y ro???aaooee p d d ?law m y trairctbrh N you to rr pay the total an b. AwJr FYrra Ch q . Traranitar VA" are not fietlthamdw of e1=rarw1. 2Vfmm fthe de tMll ttarrsdlao is praawrd to your Acour at 3) from tlto P"W. of each *Won each day, M my a credits. NH Ch S.Meappeam M JIM on the c=t tli atatamwa nerd m'BelwtoaN Nate ApplM To,' we also sWNact any upsid Lwcs chupe Frondedm the balmlce of each ss.m ) TNs fives u to daily belrtoe of each ?p ppoA data b der e.:h ranbe of dsye n ties Itiq pedoddNd?e = u lit'. dWy balace of each s.W.. 3. Ar..wd ft" fAPRI. a. The tam 'ArsW Mnxmage Nate' may appear as APW m tha from of ihs matmoern. mcsive the threaten iron) the merdhra Grier You aocara hr been dosed, vow scour .0 be rvop. the MOMM of the drape vrd be added m y«r BOOtnt, and Vyooteu wd be rasI , - for peyms[. N them Is a drlarbaaFfp tee for Mr scouts, 0. fee wY co acre m be ch , W Z eammt pw dtrod by bwvr utl the se M 6iree hr been P+Id In A/ r dallned above. 7. Yase Aaawad.Yor ad or eccora cs n be trdin dmrrheofm wkh +hw keener 0. do S. mob. Abort B.O.W. 41r-k Llarvralm, When you povlde ¦ duck AS =.: You mdcrl=e u ddw m tar kAwmatim Iron ytrr check m make a ore4ne deenafe fad trNww from you bade atxclaa a m promea the pe r • dhedc trattaeclfat. When war tar kdanretim fimt Last ehedc m make an ka dactrmie d ttstrla, firde rrhaY be wk)hdmwn flan your berfc aCWlflt tl foal r tlr lane dY We 1lCdM yorr paylllah[, told yW tar clot combo ytr tllBCk beck lrafn Last firlcd itaUtldal MWNG RIWM SUMMARY (n Can Of FrIM Or Ouedate Ab" Yw BW Ivor need mac If you #*A ycu M a tarp, a If kdam+dm on a U-..etlm a bill, wMe to u m a aeprrte short r loan r poasde at the adlb- for irxaeir drum m the trod of tiffs natrnere. We must isoar You ro later then SO abet orb sett Yoe the hear i. li m halich tlr error or appeared. You tan M Maseve Olt Y L In your rat htesterer, . give us 1hs ea idw. Hal Yee d( dC11+ In rurber, the dollar be Ac dollar kdo"nallam == nd a , a ddpdm m am - nwn of lom H error, a Wrcrydpdm I Aes errs r arcs; a Inimae klform+dmY a deeedplim d the hen you aw unaae abot You do not have to pay arty anoutt n gtrrhh vAde we aro hneedpeft It, but You ave sM ohlipead to pay the Arts of you hN that an rot In quoxd . Witt we Inteetlpsle Yap qustlm, xr tarot ray r of taloe any -don to collect the t,t Special Rue For Credt Cad P rchaees It you lave a problen whh fie quality of property a asrvkaa that you wMr a -ook tad and you have tdlad n tahh to corredq the prohlan vAb tic mwdm*, you may have the ride not to pay the n makirp surAtm dw - the ny a eerAces.. You lute the 060.00 land 1M greasemade kt Last bane Hate a yalLn loo mLr of you ma0v addrre. of ve own a apdrale the mrchom, of if w n VOW you the advarierltan for to property a "Now M pu cl s aw covered neperder of -moue « ntrlton of µadM .) Lyaaae ternanber m aiIvr all oorraporrdace. xmdars t Does of apply to ooetuehsr -arc .0 c d t Does or apply m &Nka a -.,.* -d --.at. C,aOiWeOro stppona krWnstim p ovacy pddaecdm: ave ou wwaaDDdaltt at Www. Can. OrWMFiorrd Capaadmre?spated saAm nark of Capful .N ddrta renrwd. a 2003 Capita Oro OILOLBAK first alendd day of the ant[ bMV pedod AttMonelly, -f ' b. If the ode P Rrnr), L S3 mo UBOFq, C (Cadicate of m at TPd ) th f D d S Md rom the pmviotm New Balance Nyatr tfd rot pay the ro ne appease m e epo t)• « g cc+n bd h p paid h hd, Ltrhoa cradpsa txrakaw m Brine to b i er c IN. dmaMrt next m the peiodc Mee), t e Epa RATES y a r ry d - fb.- dwpe, ever N Thh mart tfrt you m may very pwesdy ad may k-- err d- bad you pay the ode New Balms kr I m 0. fmK at m"Hard kder, as faced in TM Wag Sbea meend oneven-t by closing dent, but did jqxx4 pbn to ?d ? cAa?s itot do pmNaa Moral, Urpdd l the f A 1 d d k Dk e on Ny You Tlee a dwrpas tt? be a ala3c autmemi moin hi alod earned b u aeptrara o Last ®ta . m es spp r st? Wa tc MKwea Flroarraa Orayw Fa esdr bMnp poW Ow g ve P y W D Apra .illy rtl Ocrobr. In All mmtlr 1 yotr a®tra a m a liras chs rge, a ntiman c It Ow code D (lyres. I)BOIB « 0 13-mo. = F total RIMIICE .1 00.50 vA be' tpmd N the ? afnym of e oonl prone d?aro ewMrp Gam tM r IIBON ikploed ki=" appear on the Mom of you s rfo?ie rats stoe-e rt next m 1M Pocock rauW d p 7 e r i ? ii A ? fror Ure W.60 nritknrm rtd the dffarerrs vM rore or ddeaarr Wasd on the very iy a : baled m the prdrr sprwt of You aasral. acted kMcat. r TM Wag Shed JameL plus = r td Traprry RwkwNro n picas f7rrW, We Heave The 9r mndn pmMarly dalassd m Wu Tors chrtpr tpr tD rax ssaaeaa? ley or all M1rre dtrpr for ley Yhen k i M be efleclive m the Let drv of Wu harp pabd Gum I"on*L V Ds6y NsYre ?Yre?i?r New llsdrsL 2. A vags Aslsitsl rrtdq, Ovrswk d Rahnrd ==F.= a. Fbu drape b p 6y rrnaeplylrtp the daily o! You saommt WF be ammW ro mac then your aamrr (e.g., erh halrYr d esdr sp Il` 4asd have 1M ocar dakrp any h61Yrp peed llndar the ad--al p+eeaeal -pedal trnrer, and rpeclsl pudra.) tame of yes Lt-w epeamea, we rerrve tic ride to by themrre?a?p dally padlode rste(d tort hr bear waive a rot m safer airy faea vdtlrwn Wd l* d M ===* p-A..Iyp, Ytsa AI 1dlriyrld d MIDI dafyor the ?ppabapply t md %va V Oa 9 to areM law at + coount W tlr dally Mlsnca of s..h palod we add up Ar rd of =q= Yes Aaewt. N + nvw bw.* fee 6. you Irve 30 appears an the fine of this s mamem O , the main of Ifrer daily olaialiala m arrive r for ch s We +di re the cal L d , days Tram the date lift SUMMM Wee maAed to you to - YYoa awid m f tb ir rrpte ga. p per e arne ea a realta from aadr aegnae to ardve at the total Paedc M ?? y !eaRa H yea C-dral your au. Iran dupe for yetr aoo n To pet the dally bdrtoa cad nw to sae jr eaaa 1 AdmA he** to pay the Z for each felp w of you accome, we take the be* - hq . To trrcal you aooanL you mrW mrMaal. ley taw twomed rr balance, for each s nrit? rherNY u by eAIWp ou Qrtaner Ndatlar Deparanra ? W and psrfode L mea4ad o the peNaa W h bo m a Dd h f M krslrrartp e aM ry Y You *New Balaroe' In th edod r reta ise) ea m fir eM of the tHn -ds s at sap om en sr r ry d ys rrm or t e t papna is or seats potted r of teat day drat an round y y p n em s p p a N Yale Ceea M AeaauL You tan mgira m dsa M tart sWas t This dh'+s u the up o to daily bdrrm Fb N u d the T h f Laytatar accaaf by CdWV ow Cunamr Reetiar ru.GM You -M destro - Cradt curd(s) end De wsva, yo a eac ssprra o your adxcua. i1 New 8elarar alrnwh of Ysu pwNow a"W.. n is p . y v acoasa acmes dreka• c-cal d Pmwdrdzad bMkq. N Ya+ taw balance, Wr =aro or • «edt around. resw and dxhar uiq Last accaua. N you do nee caned uaidh p that =' dal at to arrtlrohfiai hMrp +rt+npamnu, we wi carder ad asprheds hrr . rot diY halresa We are = pt receipt of a carpe You SU*WbBdm to reopen yax r?lalate the sverepe dit? balrhee by sddrp .All daily stoles. Additionally, Yota aecalra nM not be cooed belmooM taparltr and dN3p the tuna Ova nSMSr of Lard you pry all +masas Law owe m krdrt - n ay tha days in the anal DMnp ryes. To aJaliale you mal trrrseYau you have sullad=ed, *once charges, peen Ltrlais ahsryt, naMW yon svmape fitly bakstrs by the due feat. ovaardt Ter, re rrrd p+ymem Bea, cash datff rata rW by the mabsr d drys n tlr hive ? r advrre Ms ad ally odor feae aeeawd to you Due m rarhdip an a dWy baW.1Me may halt a pa aaxrua. You aro rag . I_ these --as rt.#- Oft valance between tifa aktlelfm and ties moss of ccaran m the tnr yoc report to =M= e ab en to b. If Ate%ode Z a N appears Tra1 of Ain aaosraa eroY -I t Last rpra m dot the aomurt. Th in rod m'Bal me Rim ANied To: vw rmltk*v the attar La Wrpu apps+rkq m you aowe m have aprfrr IlsYea: P&".M.ta you mil W u wd be Cradled a yar accaal as of to buses dry" modve It, p %i d (1) you swd Ale bottom pordm of the sternal mid you do* n tha arlt==* ttrxs awdape and (2) yar paymww a recdheo n err C- ralrq owls by 3 p.m. ET (12 arm Pas. Pease -pow at lsaen 1ve (i) b W rr days for postal livery Payaarrle by u day alhar ecafon « )n try air mm mry nd aSdad r of 1h. day vw rtmiva tirwn. Qr bualrrs drys ms M-by [hwdt $anrdty exofudrtp hofhy. aaCa a kr Aar A dpTI6 atdrd= Garr youmpa?rlwd r.=. u a tlrakit) you aArd=a u m make a woe lire deCbaltk: tfrraf debt[ fNm y- bwlk drbe appaa cep droke tM hip cycle ever) N aunt by wnnale eat. N we Carrot pocse tM uWailer, you aWrd=e a m make a dhtpe epekwt your Wit aocoun clip tM dl, , , a pMK d rft a 00M her. VERIFICATION CAPITAL ONE BANK vs WELSH, SUZANNE E The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is, MAISHA DAVIS, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. MAISHA DAVIS No Pu ,1AMELA SINGLETARY NOTARY PUBLIC ,:EORGIA, DEKALB COUNTY 1Y G0ivN1ISSION EXPIRES NOV 4, 2011 5178052602854941 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. A? ? - , a , cox ?' QI a ; 00 _i rn IF) SHERIFF'S RETURN - NOT FOUND 11 1 CASE NO: 2008-01048 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CAPITAL ONE BANK VS WELSH SUZANNE E R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT WELSH SUZANNE E but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND , as to the within named DEFENDANT WELSH SUZANNE E 204 HIGH ST #2 SHIPPENSBURG, PA 17257 PER CURRENT RESIDENT, DEFENDANT LIVES IN ORBISONIA. Sheriff's Costs: Docketing 18.00 Service 19.20 Not Found 5.00 Surcharge 10.00 .00 C?-- -/ 5 2 . 2 0 So answer f rte,.- R. Thomas Kline Sheriff of Cumberland County WELTMAN WEINBERG REIS 03/10/2008 Sworn and Subscribed to before me this day of A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: 0$- 1044$ Civil Ie m vs. COMPLAINT IN CIVIL ACTION SUZANNE E WELSH Defendant 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 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06303948 C N Pit SXM :?L COPY FROM RECORD in Tw} "W Of Wd y whereof, I h?e}r?e{u?nt+t/???sd mAyth" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. Civil Action No SUZANNE E WELSH 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 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 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, CAPITAL ONE BANK is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: SUZANNE E WELSH 204 HIGH ST #2 SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXXXXXX4941 4. Defendant made use of said credit card and has a current balance due of $1510.11 , as of January 11, 2008 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 20.9000 per annum on the unpaid balance from January 11, 2008 . A copy of Plaintiff's STATMENT is attached hereto, marked as Exhibit "1" and made a part hereof. v 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , SUZANNE E WELSH , INDIVIDUALLY , in the amount of $1510.11 with continuing interest thereon at the rate of 20.90096 per annum from January 11, 2008 plus costs. James WELTM 436) (41 ) 06 armoroat,42524 EINBERG & REIS CO., L.P.A. en h Avenue, Suite 1400 r PA 15219 -7955 -338-7130 8 C N Pit SXM This law firm is a debt collector att ting to collect this debt for IM0 our client and any information obtain will be used for that purpose. 3C5? /V'/ CaprtalCW KYFF Kee our 'Finances Rt • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest • Request a copy of your credit report from a credit reporting bureau regularly. KYFF-1001 PLATINUM MASTERCARD ACCOUNT 5175-0526-0265-4941 MAY 14 -JUN 13, 2006 Page 1 of 1 Aowunt Prevlots Balance $1,043?4 Pmts, Credits and Adjustments ;.00 (35.00 Fiance Chagos $15.23 New Balance $1,096.47 Minimum Amouat Due $1,096A7 Payment Due Dare July 11, 2006 Total Credit Line $300 Total Available Credit $.00 Credit Line for Cash $300 Available Credit for Cash $.00 Atyour 9mim To mD Qrtomer ReLti w to report a lost w swim card: 1-800-903-3637 Saldpaymeatsto: Sind MTAWM lot Atm: Ranitnra Processing O.pibl one smt Cspml 0se P.O. Bor 790216 P.O. Bor 30285 St L4uis, MO 63179-0216 SLC, Ur 84130-0285 Important Account Information Take control and a= payv?g your bill online fee free. Eliminate the haede of writing chequer, finding stamps, and sealing envelopes. Everything you need to access, review, and pay your bill is available online. Our weba0e offas you a convenient, ample, and secure way to manage your aocouat Visit www.eapitalone.com and register your account to Start a? yo- hk today! its, Credits and Adjustments Transactions 1 13 JUN PAST DUE FEE $35.00 You were assessed a past due fee of $35.00 on 06113/2006 beamse your minimum payment was not received by the tine date of 0643/2006. To avoid this fee in the fimre, we recommend that you allow at least 7 business days for yow payment to reach Capital One. EXHIBIT F`l anmCharges Pksreurreverxridrjorimfortaafi> ice: n ?? sMi m P,r1eLr (? ??? M r PURCHASES 8956.12 .05S89%P 20.401A 816.57 CASH 895.91 .05589%P 20.40% SL" ANNUAL PERCENTAGE RATE applied this period 20,4096 PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 5178052602854941 13 1096470133001096476 New Balame $10%.47 Pymp-dadarsre8egrrW °e.WK >M k_k Minimum Amount Due $1, A7 saw Payment Date Bt1te. July 11, 2006 Apc s ` G9' Sn¢ ZIP Total enclosed ; • wuntNumbea 5179-0526-0295-4941 `Pb°OC Alt-Ph- #9016562809553221# MAIL ID NUMBER Q Capital One Bank SUZANNE E WELSH 220 N QUEEN ST P.O. Box 790216 I1{Rile 1Bill I111111111 SHIPPENSBURG PA 17257-1415 St. Louis, , MO MO 6 63179-0216 0 { n II{{1111I'1IIII'IIII III{Ii{{11111{1'111111{II II II I{I{111{II{I{ ? a= 1111{I{111{II{I{11111 11111111{II{II{111{II{I{III IIII{I III?1'II Platt rnriraynrc amoaN nlaabcr aiyrivcbrrkamany-tier madefayabk m 0a6aal On Ban4 andmailin tJx eru/arrdcmrJ?c Itfi? fits M? 8 8 ? OFt u ? ndr a. Qaea pitied You a gram peel" of 26 deye withtaat hence dupe m nny eunYene, hew .mans tea M.N16 row special pudhmes and hew other 1. mow ep dry with Notice pBalance' ba ow, a«e and In anal f« it m b. aeded by vac next aatearme ale coairp dims. 71we b to grace psdod on yeah adwncs of mend ape.W trreMc n "If I derv It no praoa paned r on _ any transaction If toe do het pay the total "New ale stgsot mm m peace pa. am amaemd itrrrrs carpe 1) 3. Anar from the rib of the tta mmcdm or 2) Inert the des to a. Th trarrac i-n b Prooewd m yea Amount «3) Tian fir A Ant rxbnder day of the anon big ballad Adililhry, h. If l ayarv gamma n tu, [oars oeNr mndme m actual m 'Tie ups thin muse the tepold bairce b paid In JuL mere dot you may ads taw owe firhahce Wh amen t you pay to areire New Balrhm Ydcand an the fart of ro isuu bsrrtt?by tar net stsiahrt doming ems, bu rid era adbtbAe P?rPeiN?r6sl?arorld? BrOaie tierce chrpes t' a Mars Flhrwe tltrp. F« pan iirrp 1M a oath lsgrrnat each dlr. ale erhy hew aeanrt, and •tbtraa am oevmaroa next b'B. Iry upald) ? we a e the biV d•w in the Uapowu, «5 (Bar this staement text raw and conegw noy on the aryulad Intill on" ice realm Applied TO," vat aiao ncs cl-V incuded in the balance Ms u the edYYdaaiyily balance of each for edOO ail dMds byyaft W Win each P-dollL give r the each I'm ==may appear as 3oro . UBOI C {Certificate of P&W app" ? M W' the fi«a of I"C OIAiIAI PHiC9ftA0 RATES hey Yn«sue « deeraas based tend ti nu wall Svaa he w m day .1 p"ode.artabt erndrhp Ye!! p% amou[ N It has already been domed For extvnile, if you allleriied a pudus fmm • merchant and ws receiw the transaction from the madm after yotn aawu has bean coaled, Yon account wN be reopened, the grout of to Wrpe real be added to your amotert, nanwd?yoanr??wdpi be responsible for payment. If these is a fee f. vmff account, be the fee w9 mninte to acnt dorgeti, balance to has the "kited ben P.M. A! by law, dellred d above 7. =,, ??? LY and or raaut cannot be uuee?? any kearn« ymrbbhp trsrhm•otiorna myrek Qtma+hn. When you 6. Nabs Aboat k as ps Elambonle CJ poMda cheek t- I you aWxt o a us eltha u tmIe n decuoie *AW t1a from to nab a one- t yotr bad ann. W or to or grocer to peimment as a clock troreaetiaR Whan we f=yarn desk m melee an draranic soma/ as mom r tluWarroayy - rram"iv y?yo.vf Ylknc?alad ida,WOn? hapiw your duck back from BILLING RIOMS SUMMARY (In Cam Or Emore Or Oundo a Abort You Blq If you 0" yore bill Ice warrp, or If you reed area khbradon m a trarhseelim ??? rag(e) bhp! rtlr/lrhQ_ ?eP?daR? IWte' ter tern mar wa aUNlrrad lend b to rata([) the generic a1M d m « p,. w?P m ce on a rep ahem K fee11*Y le N the to •mout Thom the ?0.60 hri bam and the difbrate wO be hied m the patent lsgrhhrt of aeoOWL t d Tepprary RaAnslian in Firree Oha e We wo 11 UAL P an orla?orndrhp AMIIAI PE ale se! beset! on •v the wry mrNiy endmeV inse stated Yd_. r feud ti 71ets W « hleae•a WaY Shaer An* War ti dm a ofO moment. W 1Rpuriee shown o the than a tlis moment. n. we .an hear firm Yr+ no let« than BO ddeaywe afh«we men dhe Ant M m wHch the arbor « phahlan appeared VonYr+ ten p . w V higto rot area rhy «r irhrhoe dwpes for ary given ? ne r-Gin P-4o lly daclem d b Wu Ths d-V. vA be abelive m fie Aar day or you hihp pried am . Gagner :=r=, but d*V s peaane yw dpt gibe to thetdbw(rq 2. Avarape DOV Bslaee IMlledny New Ardwesl. a. firrnos Wags b ealou4iof by maatlWyYg de dally each or a. Auleeert of I.ab, 0wis2 rA RtanW Pmyare Farr. Y. acC n wi be •ss..d no mots dun two of t t •hmiehl oft doe rrpsend dele ripd«, of to error d of baWCe a each asphwe Yes .mare (saga, cash adrahce, Pudwee, ePrial trarfsr, ad epsdel Puchwe) o ees feed hew that oeotn du &* any billing paned [under fie tame of Yrr otwonhar aplaahhsrt we reserve the " ft to y an - slplanniom if Pordeebd?W n below, deco b an error; or If you need more d"cdpflm the h o by Una oorretDarhdY9 ?Y PMOAe rre(at turn has bean prmbtdy aadosed to you At 1M and of each day Aakq the 6i0 Drlod, we W* the Pniodic rsu for sdh , o wall- « not m •masa any lees w ltox = notification to you wftlru vwlvyhg hwr tight to user the sane or ak,*.r 4s n • bt« thee am you ale uanars about You do not M w to pay any anent h ayealon edit wa arc knathldrw h, bu you arc sli tad m _ helPay l Pens of yar tM am rot ° rgrhwt M yrr atcout m drbelrnea of tern Than d f fi t . 6. Yahr peanut N • nrnbddp foe i Ynr-W-019- cannot « take cry action to collect the r o e perod, we add up the x podode finance drips for each rpnsntm a W W' #. appears on the twm of 7th etalanmrrt W-. 30 w to . fi ild =Z= ? y_ ? , .rib iron aahth legrrrre m adw a the total ptelodc .. m h how such tea cwdmd if you am" you -". Dudrq ties period you may j•t Special Rue for Geri[ Gn Pucfneas tierce cape for Your aeoomtlt, talks tie To pet the drY bale- J., each amp - of vote !ma w e beredrq , tonal, m trs Your ac out vAdmA luv ?m ? the manWeAdp teal. To 011.1-111 Yet, 6 If you love a pd k- whh riot quWky of phoperty « ;7 a h y cs for sbdceh atlraMadated^n"' them P wA n notify m ? ' Mw triad in = tail to p«rect Woblpon with to day's halm f« dha asgrrwn. We turn rdhtrata any pay y t? BYrhce b ( Ana mahbawwp tae) pt« b tw ad of dw tlertydsy aced h . ^1°M you may Asw fie Vat not to pry the rmukdrq p paymas ««eda poswd s of Our [key tart am allocated & N Yon Cwt Yw Awwt. you pan roquast to dos 1 ?t Om on tw pro?ny «srNma. You hew this m tlrt sgrhhrtc TI giro r tte spans dais WMo X:` ch aepnen of yotr aaooue. Fiawawr, If vet geld the Bhce sho M =n !malt by pimp our Gatamer Bale taa. vw son dhetroy you . pnb) and prota:den ady wMn 1M atrneaer of a pr== then X60.00 ad the pudhne vwe muds rtna or whin 100 dl f i wn m yon Pr .a an. 4 M ft11 (« H yes chew balance was rew or • oedt enwmq, new totem /mss dock, cancel r gratin-b d hihp, and cease - yet •etmtee h oe do not al n as o You ma q aftems. M im own « opaaa the • «R we nap" You the traasedorr whits g m You. ptadrs « spsdel pterthms ae(Phhats awoal rot added m th dr b l W . Y cem d hip enagemnta PwaMOrize. we wp c«ddsr edwtlNment tar tw property « srNOSS, r pudusa am cover" wpadeas of •m rt k f / e y e ans. e calndae tba anwrega daffy balrce M addrnp all the dsiy roceipt of • Wipe aur0urbelion u aocar. Addtioaiy Yyouet amau t wi not ba dal" or pl or on o PucMse.) Pleas ronember b sign all ornsprdree. balwcs taq.lrr and dMdrp the man BV t1e31Yriaptlf , IN/'?.?Y r enrhotms Mudvha any you owe ur you br days in fie otrhert big cycle. To celodets Year total i tralradionf y.Y have •w ", iervts .1. pen t Dess nor apply to ceeeww non-rJa?' had •ccavsria re rys, rM lp pdr nwwgs dbrace by to lvb id ed clue 4s, asrgrNt tots, rotuned MY.- fees, ceah per o e r o v tw mab« oys in the big eriod Du ? d f !: advance tas = m Your =- i Doss roe apply m Mrtinea nanrie?r card acowoes m p e m roe l y b " ay bar Aght vadence benwe n tie pktertion and the /moat of aeesat. you twee ..cans wfnete = ,or r = r m Yootnt M the time yctr rouluwt to f,7pttal One stppons intormadm frrivacY poteNon: see ou Y aasnemed b. N code « N appeals on tbe trau of tie aut = mour « may arc Nnatwd subaeatrart m ' vwtgile n vrvvw.caphab ern, ? y n "c anat nr¢ m'Bslro Rees AppMd 70; we lbyvm the aValr erV bel.hm «ebl !boat DV k=. rrhdnlli your reghen m dos Ube aocan. Ills holy react ti Wags appsrinp m your amoen afia you Mw rhM ? lCCOtet t0 be dosed r dhe -...ter. M r el Or b • [trier resa ibtri9lms yed 2003 Gn Faharndel Corpotstim e GWW Got Rf I RI RaC an??endaaed rely you mil m r vai be taeded m y.r atzarn s of the humlrass day vve rocetw h, proNtl" S1) yw sand the Donarln portbn of tlis rtatwnem ant You deck mvdoPa and (2) yun psymam b rooeiwd h our promasinp axm« by 3 p.m. ET (72 noon Pry. Pbas /lbw n kart Aw (6) burins Jaya for posW drwrY. Psytnerr ratelv" by r n any ail.lacadarn «n shy Weer burl mry not be asdted-rot the dsv ws receive team. Qr bWrness days aro MordeY tltw¢n SnudsY, aadudrq hofMays. lccau. ? ? ?a ? rips ate wthm pwparkp psym.d, yylnan you sand w a dwckW, you rrecrize t. m make a arw-time abcumic twrmisr debh ryes yps peNc to m make a W check 'finis aWCr¢ation app?m r dwclu recdwd dulanp to blip cycle even H son by someone ans. it wo pons[ goceas tiw tenth, you sudnodze npe apeken yes balk aoooue ualrhp the clnack a paper drab a oAr hen. I cop"al / )w KWF Kee our "Finances rt • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history ...it affects more areas of your life than just your ability to get a credit card. Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest • Request a copy of your credit report from a credit reporting bureau regularly. KYFF-1001 Cal c LG • PLATINUM MASTERCARD ACCOUNT JUN 14 - JUL 13, 2006 5178-0526-0285-4941 Page 1 of 1 Account txv o s Bilanee $1,096.47 Potyments? and Adjustments $.00 Transactions $35.00 Finance Charges $19.00 New Balance $1,150.47 Minimum Amount Due $1,150,47 Payment Due Due August 10, 2006 Total Credit Line $300 Total Available Credit $.00 Credit Line for Cash $300 AvakNe Credit for Cash $.00 Atyourserdm To esD Customer R ke-wto Vwt a lost w da. card: 1-800-903-3637 Sad psymem to Sad hoclAd fm Attm R-atmae Pmonain8 Gpeal One BYII Caput Ose P.O. Bot 790216 P.O. Bra 30285 St La6, MO 63179-0216 SLC, Ur 84130-0285 lmpornmt A== Information Take worn of and start your bM online kw free. seaIng en-1 `cy[hing you need to -ON% Ml-, and ply, your bM is available online. Our weblike offers you a oonvenient, sample, and secure way to manage your account. ?V.i.si,,t,tw??w:?w?.cgjWone.oom and register your account to start 1""!"'b y- life today. Payments, Credits and Adjustments Transactions 1 13 JUL PAST DUE FEE $35.00 You were amassed a ppast due fee of $35.00 on 07/13/2006 because your minimum payment was not received by the due due of 07/13/2006. To avoid this fee in the firtme, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pka axe rerxrxjide fa imAortasor infamotion o B'Jaftrcmle• (vlb Pn:etr Cam y??ryr,?v,??.r a dPR t 1D gP PURCHASES 53,00&04 CASH r < I.riAHIs? .057m%P 20.96% 517.32 S97S7 .05726%P 20.90% SL68 ANNUAL PERCENTAGE RATE applied this period 20.9098 - ? ? PLEASE RETURN PORTION BELOW WITH PAYMENT ?• 0000000 0 5178052602854941 13 1150470133001150472 New Balance $1.MA7 PfrasP.istadd uedmgn kl -w R_ - blrE isk Minimum Amount Doe $1,150.4 7 Payment Doe Date August 10, 2006 Apr t Total enclosed $ c? $IIe` 21P Account Number. 5179-0526-0285-4941 Home Pbom lilcemsu P6oae #9019562809853228# MAIL ID NUMBER Capital One Bank SUZANNE E WELSH 220 N QUEEN ST P.O. Box 790216 111111111t11t1a1a11aII a O SHIPPENSBURG PA 17257-1415 St. Louis, MO 63179-0216 m a H11 o _ 'III11111111111111I11I111t1111111111111111IIIIIIII11I1i1111I1I I111"1111111111111 it I I I 1 111 III 111311/1/ IN IN I I I a I I I I I I If I VIII Plaster unkymraltmmat number on ymr 6=k m mosey order male fgwbbto OSWAlOs Anti mid mail m llic eu&ued-& Ali I a. craw name. Yee wA have • mkiram grace period of 25 d.ys r "s%s rinds ?s?pe sash new purchases, row bda nce hearers, nevv aPx+sl l cases cad row cow charges H yowu4phay Vorr mod 'Haw Bdrhes', M cad a, ento _Tor k m be cnaIW by?ype ra,& ebsbw, ?d .= grans Period en cash advanom- h addhbk them I. he pace Pslod =a`nma n it you do nor h pay bite Wass 'New b. Ass- ng R- Change. Trar..Cdu..Aich a. not fomth the m data Of the Vs,saecdonoor 2) d from the doe the [ ) tlarrrdieh Is Processed m your AomYa or 3) from the that calendar day of fie Maters, bafihp oetkd Adddohaly, i?f_you rid rot pay the 'New BeWrs flan the previetas elithp Deriod h ft1, lkhshca surges camiase le ensue te C WPdd UafanCe Mall the upaid bWnoo Is paid in S1. Thh mere that you may.0 owe 6Whca cuter, evert if YOU fay the entire Now Bslrhca ih3r?ted m the here of yor saanher s by the trod stammers, doihp des, but did nor do so for the prsNas modh. Unpaid Ilmerrr dteries tc M?rihaia flWhwi I. sec h bMbV qdd that metal ;==E of $0. mi1ba?inpoae If the tetd ranee Chorpe aashating hotth the ?giCS os perbdc rsm(d a bas mm w.bo, war w11 ahLaaM t hit mews frerm the $0.50 ntintun end the d(Ts.mce alai be bird a n. Purchase aeprWs, of yeas t d. Taaperery RWLO_ F Phases v+ga We eaove t. t eo.-naaseas racy or s,1 iWhce dWgee for my 0. 8 8?- ? ?ry 2. Awvyi b a. b.Wm talresaa or wawa Psmd as of that day that she aloeatad . that WW an 11" far each Belard.w yow, Via' hNelannints daily . belprmy me- yea Weiss eratsnse it. SI (o N your sew balance was zone o a wadi[ am cwto, torte trammed- tkh Post, - your w asOrheras aarbdW ID era or spedai s careers tM ayorrge risky bal.hca delly r u. ewe by rd*Q the Ch" it, the and aliM3atg 1M rm by the aniar at e drys it, the Mnera hiRap qde- To raltt$ate yon teal Asnco edarge• ns aral War avetape dally beWrs dally M .a ad W the tearear of Mys in the the biap "gie varirrce tfis ra laioat era the a?maotn of b. H the cods ?orN -, m the flan of this etstsrhsn nerd m yBalero Rata App1d To, tare nhherpy the r w sramram, tare tare the Cash e?Pwr„ each day, add arty e• M'!da (H the Code N - S..'-. afyssrs m the thud of thin atatanaa any unpaid ca Hare AppBd To, SrW taus aao YfJI asry Wail M large irduded it the belan aSm m) TH. gives u the dairy bdahoe of soh segment. Than, we edd asp aY the dtly b?drhoes oaC eeI . far to Ming peril .nd d lbr +?e0s .1 dya W nc?e of?each ed. puss tee u. 3. Arend Par a. The teen 'AneW Wens Rate' may appear as APR' on the from of this svtantem. b. If the code P (Priors), L (3-mo. LIBOR). C (Cw6Smm of ! a", or S Mardumrd Phase) appears m the from of b sndrhg .G is e from the natgirh pteviasly dbdoaed m yw-hee dnrpes wi be efleeave on the that day of y- haft Period each moldit. Aasa?stt of Lam, Ovriah and Rabarhad Paymrt Fees. Pot. aoosatt vA be -*--d M M. than two of to fees listed fee that own duihp shy H6hg period Ido me toorm of VW custonver waive or not amass vWOvxx epelpo?renotilf4 h le .40mat v.ivktp w ripe to asaeas rite swore o eiNar - a taker tins. 5. Yea A...-L H a rnenbers ip fee appears m the from of Oft sw mWn, yon have 30 drys hmn the date this datarnem was rnald m you to avoid paving to be or to have such fee Medtd to you H vote cancel V" a? ws. BuArv cis Redd, you may condnts ta tae y aroars wither having to pay the nwmbsadip tee. Toes ce'" Vale aorsu t, You mud matt us by C. Ong w Wdamsr Relaiaa Oepsnm«n d pay -N&W Disarm- aeragt lee Pdor . One end d of the Ny-y .wm . Q H you ?. Yw A.esaa. Y- cm ny Cl Paid y?MSwa.orrWahsrs by CNbg w Qmto rn r Re4dot.o dens •cews access y check. ewe l d preCeedil wsyhorcalze?d dgFhq, and caste -&%W .wbt.e- If You do ho h ..col r_ of a tlaryamrparWma' an wA wader e yar stah.dution to reopen vor tt k. be deed final Vern pay - s you owe W W ansamers you lave authorized, Snmncca charges post due fees, overWdt fees resumed paymrem toss, cash -W arty odWTeas aaseaed to your scxmt- day appearu respsWHe for these amour wAetner does the accwifa *my mriW&urrmd tabseque n?tot to yea .gtast .seas the account. THs may .sat h carps aPPeadatg m van acwaa sire wv, ? e K*Odzd p. chase from a closed. ? exarnplo, new Mo.'" the transaction, berm the ar-Ch. after y.. accaus bass been Closed, ~ accent wi be moparad, rite amours, Of the carpe vd1 be added m your scoD t ad wi be respandae for payment. If them I. s , m bete elrtped, w for Vow, e#?s, the fee wA Caeine aMSUs, belrtce w bean In fJl aides tral above. PaUm 7. Using Your Aemua.Yg mid or accwu cam.t be used In an.ednh with my h sorvt g mbang S. N Ab.A Eines j. Chwi Om-W_ yyiWe yqt Provide • check as payrnsa, you ew od w u eHher w aba aslk tndd verselar f? to m.ke a Mu1iro WoCeas ter pa as ¦ air k tubahk accatim or re rsaacb- When we cae is,anutbth fi=ern You ewk to make m dectmNc fiend trwfsr, funds may be uidhdrsnah Seer yea bw* aomw as seen se the emu day we receive ypr M-K, ad you wA nor receive your check Red flan Yea fihathdai itNmalen BILl1N0 RIGHTS SUMMARY fin Case Of Firers Or Ouwdots About Yw B10 IT Voter flit yet. bill Is wrap, or If you rand meas infomaden m . tramasdon or bill, wale to hs of . asparsa shast as seen as Pem"* W the address for kgA'6" shown an the from of this stateroom. We must later *- do MI1°"at Mort WticoFh enter «peaaevftw we can you the 4s, or Customer RdeYa s mmbsr, b n d*eared* . You om era-yon WOO In VOW Want, Ohm ue teasfoEm hq C, • yon tame snd acorn m m.6. the dollar meows of the wapected emef, a dascriprim of the error KW - m ~, rihafbll, H possue, aF WvtRryt?• you beans there I. yon need sere imomution, a dasceptim of One hem you aft wastes mbar. You CIDDSrCae have to pay arty -vt „hp o?stnd d, 1M pans of your ba(tlrt n rot h 9usdan l:: ws Ywenlosu yar Qtsdort, we usat tepoh 1'or as dNrtpues o v arty • to celaci the If you have a MWblern vhith the 9calhy of WMpd. o you rave tried in ggood liallin to ood pumhsed wacY the • e Problem W Nft the rwrdam, you may how the ? not t pay m araaotas on m the pnpsrry right aervfcas. You lave Sta rq Prdeedm Cray Wash Us, putluae trice was mom than $50.00 and du p toss was made n your hew state or vAdih 100 -Ilea of yon memo adds. Of ee ova o operate the -emhrm, o it we -Nkd you the adneSsamom for Ae property or wrv9os, all vemd t-4 1 steam o bead- of Purchase) purchases Please wreapoatderhce, t Does mo Awly m aoneemar -n- a,& Gerd ecohurs s Dees rte apply m &wasss hon.oredr Cad aCeorrrs One supports inlonrudon privacy Protection: ass w ri vwvw. cake. ?N ?riioa?ri? ?? : off Capita Iff"I as tecaiveer was 9s, ra Charge agsial Your part apart tget?q. a ? ?h a ? h?otn? ? ?p c? .von H aerrt by asnecne else. It we ca.hot Proces the 7rwaler, you sudtorize z,t Sgdal Rdo For Credit Card Red. . r, VERIFICATION CAPITAL ONE BANK vs WELSH, SUZANNE E The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is, MAISHA DAVIS, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. MAISHA DAVIS No Pu s M?-'LASINGLI IARY 01MY PUBLIC Y (vir ; r;IS51C,t! EXPIRES NOV 4, 2011 5178052602854941 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. 2J Jc: h ? .E d S 1033 8001 d 1 ;,[1L ? ? a v "4f1j" 33{83HS 3N1 :J ]31330 M . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL, ONE BANK Plaintiff vs. SUZANNE E WELSH Defendant No. 08-1048 CIVIL, TERM PRAECIPE TO REINSTATE COMPLAINT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan PA I.D. #47437 WELTMAN. WEINBERG & REIS, CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06303948 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL. ONE BANK Plaintiff vs. Civil Action No. 08-1048 CIVIL TERM SUZANNE E WELSH Defendant PRAECIPE TO REINSTATE COMPLAINT Kindly reinstate the Complaint in the above captioned matter. WELTMAN, WEINBERG & REIS CO., L.P.A. By' -- - William T. Molczan PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #06303948 ,h_1 C N SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-01048 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CAPITAL ONE BANK VS WELSH SUZANNE E R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT WELSH SUZANNE E but was unable to locate Her COMPLAINT & NOTICE in his bailiwick. He therefore returns the NOT FOUND , as to the within named DEFENDANT , WELSH SUZANNE E 150 W ORANGE ST SHIPPENSBURG, PA 17257 PER LINDA DIEHL, MOVED AT BEGINNING OF YEAR TO ORBISONIA, PA. NEW PHONE # 814-599-8043. Sheriff's Costs: Docketing 18.00 Service 20.00 Affidavit .00 Surcharge 10.00 Not Found 5.00 v?13?D8 ?. 53.00 So answers: _ R. Thomas Kline Sheriff of Cumberland County WELTMAN, WEINBERG 06/10/2008 Sworn and Subscribed to before me this day of A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. No.: 08-1048 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE SUZANNE E WELSH Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: JAMES C. WARMBRODT, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#6303948 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. Civil Action No.: 08-1048 CIVIL TERM SUZANNE E WELSH Defendant PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: SIR: Settle, Discontinue and End the above-captioned matter upon the records of the Court without prejudice to refile and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A. By: O Attorney fop "Pl aintiff rs 1400 K uilding 436 Se t venue PittsbuP h. 15219 (412) SWORN TO AND SUBSCRIBED before me this day ,2 TARY PURL COMMONWEALTH OF PENNSYLVANIA Notarial Seai Heidi J. Kelly, Notary Public City Of Pittsburgh, Allegheny County My Commission Expires Nov. 4, 2009 Member, PennsyWu Ns Assow1.t111 I( N'013ries r.a y M c-n