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HomeMy WebLinkAbout08-1576Our File No.: 151855 APO`THAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esq. Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff CAPITAL ONE BANK c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, VS. MICHELE R CLIPPINGER & MARK CLIPPINGER 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 08 - 15'7(p OW i l (yet iv, NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND, COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del edemandante'y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. ,BY: David J. Apothaker, Esq. Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff CAPITAL ONE BANK ) c/o Apothaker & Associates, P.C. ) 2417 Welsh Road, Suite 21 #520 ) Philadelphia, PA 19114 ) Plaintiff, ) VS. ) MICHELE R CLIPPINGER & MARK ) CLIPPINGER ) 209 FORGE RD # 241 ) BOILING SPRINGS, PA 17007-9748 ) Defendant. ) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: OF- IS"7L. Curl -7: r, CIVIL ACTION COMPLAINT FIRST COUNT Plaintiff, CAPITAL ONE BANK, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is MICHELE R CLIPPINGER & MARK CLIPPINGER, an adult individual residing at 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748. At the special instance and request of Defendant, Plaintiff sold and delivered to Defendant goods and/or services at the times, of the kinds, in the quantities, and for the prices set forth in Plaintiffs records. A true and correct copy of which is attached hereto, incorporated herein by reference and designated Exhibit "A". 4. Defendant received and accepted the goods and/or services described in Exhibit "A". The prices set forth in Exhibit "A" are the fair, reasonable and market prices for said goods and/or services, and the prices which Defendant agreed to pay. 6. All credits, if any, to which Defendant is entitled, are set forth in Exhibit "A". 7. In addition, Plaintiff avers that Defendant has failed and "continues to fail to make any payments, leaving a balance due and owing of $14,828.92. . ' 8. Although demand has been made, Defendant has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $14,828.92 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law APOTHAKE, P.C. AttA Law Firm lection BY: D Dated: 2/21/2008 Our File No.: 151855 f I l VERIFICATION //td,/t/ ; , hereby states that I am for plaintiff in this action, and that 1 am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements- therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unswom falsification to authorities. DATE: 042 Your account is temporarily suspended from future charges and cash advances due to its ACCOUNT STATUS FOR: MICHELE R CLIPPINGER past due status. A good credit mtina can help you vet credit cards. PAST DUE! a cell phone or even a We can help restore your charging privileges: ILY T • Use our free Check by Phone service by calling 1-800-955.66oo. ED • Call our friendly associates for payment options at the number above. • If you have online access, log on to your account and pay now at iwow what's in your"Iet7' ea www.capitalone.com. p • If you prefer, simply use the remittance coupon below. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. federally registered service mark. All rights reserved. i oazasos s a ® 2005 Capital One Services, Inc. Capital One PERSONAL LOAN ACCOUNT CapiM,(`/}(yn(.Gn • SEP 24 - OCT 23, 2005 Pagel oft 781260-2285973281 Pa ents and Ad' tments Loan Payment Information TOTALNEWBALANCE $12,56858 AMOUNTDUE $12,56858 OtherC s $29.00 PAYMENT DUE DATE November 18,2005 1 27 SEP PAST DUE FEE At your service To call Customs RrIations: 1-800-955-2115 Send Payments to: Send inquiries to: Attn: Remittance Promsing Capital One, F.S.B. Capital One P.O. Box 790217 P.O. Box 30285 St. Louis, MO 63179-0217 SLC, UT 84130-0285 Important Account Information Twelve unsung heroes of college athletics are com ung for the honor of Capital One National Mascot of the Year - and you can help decide who wins Each week, the mascots go head-to-head in competition, but only one will win the coveted tide and $10,000 for their school. Go to capitalone.com where you can vote daily for your favorite mascot - and don't forget to tune in to the Capual One Bowl on ABC on Monday, January 2, 2006, to see who wins! PLEASE RETURN PORTION BELOW WITH PAYMENT Qvpffmc LG- 0000000 7 7812602285973281 23 0000000408840000007 Pr are p i t ojd_ Age, below wing bl or black ink. Total New Balance $12,568.58 $12,568.58 So-«t Ape. w Minimum Amount Due Payment Due Date November 18, 2005 Sap Ztp City Total enclosed $ Home Phone n "rasp P6o"` Account Number. 781260-2285973281 #9029685885361721# MAIL ID NUMBER MICHELE R CLIPPINGER MARK . CLIPPINGER ?n 209 FORGE RD # 241 Capital One, F.S.B. P.O. Box 790217 BOILING SPRINGS PA 17007-9748 St. Louis, MO 63179-0217 O1 qjI Pleare urriteyour account number on yow check or money order made payable to Capita! One, F.S.B. and mail in the enclored envelope. c° C) TD Fitt:- -,o rn"n O 00 \ ? rt j t 9 1 CASE NO: 2008-01576 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS CLIPPINGER MICHELE R ET AL ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE CLIPPINGER MICHELE R was served upon the DEFENDANT , at 1524:00 HOURS, on the 14th day of March , 2008 at 209 FORGE ROAD #241 BOILING SPRINGS, PA 17007-9748 MICHELE CLIPPINGER 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 4.80 Affidavit .00 Surcharge 10.00 00 32.80 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 03/17/2008 APOTHAKER & ASSOCIATES By: Deputy Sheri f A.D. I , 1, CASE NO: 2008-01576 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS CLIPPINGER MICHELE R ET AL ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CLIPPINGER MARK the DEFENDANT , at 1524:00 HOURS, on the 14th day of March , 2008 at 209 FORGE ROAD #241 BOILING SPRINGS, PA 17007-9748 MICHELE CLIPPINGER by handing to ADULT IN CHARGE 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 6.00 Service .00 Affidavit .00 Surcharge 10.00 00 1 Sworn and Subscibed to before me this of day So Answers: R. Thomas Kline 03/17/2008 APOTHAKER & ASSOCIATES By: Deputy She i f A. D. o/ CAPITAL ONE BANK : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA No.16248285 MCHELE R. CLIPPINGER & MARK CLIPPINGER Defendant CIVIL ACTION - LAW DEFENDANT'S ANSWER TO THE COMPLAINT DefendantS, Michele R. Clippinger and Mark Clippinger, Pro Se, hereby responds to Plaintiff's Complaint as follows: 1. After reasonable investigation, Defendant is without sufficient information to form an opinion as to the truth or falsity of the corresponding averment of Plaintiff s Complaint and it is therefore deemed denied. 2. Admitted. 3. Denied. By way of further response, Defendant admits that Plaintiff furnished Defendant with Credit. Plaintiff never provided Defendant with any good or services. 4. Denied. By way of further response, there are no goods or services described in Exhibit "A", 5. Denied. By way of further response, there are no goods or services described in Exhibit "A" 6. Denied. By way of further response, there are no credits described in Exhibit "A". 7. It is denied that Defendant has failed to make any payments on the credit account with Plaintiff. It is admitted that Defendant has been unable to make some payments to Plaintiff on the account. By way of further response, the corresponding averment of Plaintiff's Complaint seems to suggest the breach of a contract, but the operative document is not attached to Plaintiff's Complaint in direct contravention to the Pennsylvania Rules of Civil Procedure. 8. It is admitted that Plaintiff has made demand for payment and that Defendant has been unable to make some of the scheduled payments. WHEREFORE, Defendant demands a testimonial accounting of all charges and fees alleged due with supporting reference to controlling contractual documentation and a Judicial determination of what amount, if any, is due and owing to Plaintiff. Respectfully submitted, a Michele R. Clippinger Mar Clipp' er VERIFICATION I verify that the statements made herein are true and correct to the best of my knowledge, information and belief. I understand that these statements are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Michele R. Clippinger Mark lippi r n ?., _ C'-? ? _ '77 ? ? -- r _ 4,7 ! ...... 'n i i"B -? 1 ' . _, ?. .. x >- ?_ . '-? Our File No.: 151855 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attornei? I.D.4'55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff CAPITAL ONE BANK c/o Apothaker & Associates, P.C 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. MICHELE R CLIPPINGER & MARK CLIPPINGER 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 08-1576 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del edemandante y requiere que usted compla con todas ]as provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.# 55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff CAPITAL ONE BANK c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. MICHELE R CLIPPINGER & MARK CLIPPINGER 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 08-1576 AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, CAPITAL ONE BANK, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is MICHELE R CLIPPINGER & MARK CLIPPINGER, an adult individual residing at 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748. 3. Defendant applied for and received a credit card from Capital One Bank, account number 7812602285973281. 4. Defendant used the credit card, account number 7812602285973281, and as of March 21, 2008 there was an outstanding balance due and owing in the amount of $14,828.92. 5. Attached hereto as Exhibit "A" are the Signed Application and the Statements. 6. In addition, Plaintiff avers that Defendant has failed and continues to fail to make any payments, leaving a balance due and owing of $14,828.92. 7. Although demand has been made, Defendant has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $14,828.92 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff Dated: 4/23/2008 Our File No.: 151855 A Law Firm Engaged in Debt Collection VERIFICATION Kimberly F. Scian, Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unworn falsification to authorities. DATE: 4/23/2008 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.# 55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff CAPITAL ONE BANK Plaintiff, VS. MICHELE R CLIPPINGER & MARK CLIPPINGER Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 08-1576 CERTIFICATION OF SERVICE I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 4/23/2008, I mailed a copy of the Amended Complaint by Regular mail to MICHELE R CLIPPINGER & MARK CLIPPINGER 209 FORGE RD # 241 BOILING SPRINGS, PA 17007-9748 ly F. cian, Esquire v fQ(r Plaintiff Date: 4/23/2008 Our File No.: 151855 1080 Amoaul: $20,211 ¦ FIXED MONTHLY PAYMENT • NO APPLICATION FEE Personal Loans P.O. Box 85546 0&r )':5tjm: 04/08/03 ENO PREPAYMENT PENALTY ¦ Nd COLLATERAL REQUIRED i? RichmoM, VA 23285.5546 For Dddttctlttg Your A- Y Payment Only (nemdaed n wo 6969020366130 039 036 - Mcbele R ONp tff t ' 0241 Anwom IndlftQon 209 Porgy Rd Wl%WhW PA 1"0.9148 area Imutaq II 2 3/ 3 8 2 Z q l 14meprk dm* inter or bbat of "me am am and asom ad&=i(actxaaarlt 4ld%dMataw4%w" n"ark0 yea.sirar dened Sotltl Se urq d Dew d" Hone "OR f -7 q-s q-vzv& 0f t! b0 (71 7)7-5?-q1 0Z r In twulthow IW AhV (Check One) Manny Madn9 p*F-A Yaw Nvw sr.y touter m wil i lemad locolm 03 C9 o.- Dee- $1,0 q 3 $ 7,5" U $ 56,900 omi Here u occ omn El q toyer klfm mane CaA,psum (opmuq Rot ad tai Nwo Co.+tprMUMe sodr Unmiy, a f p fQ 29 ! z ltrdVAWMeOldyarawre.+nedle Srenet.edtaw4+Mretee!Wm4rliiiMreMr+itgow4a?towhlwCadOffM?ety1WIawdWAwanentiMnewitKwe/rld?ReeFgt014woend rnrrMIRIAWm,,rAIrs4R+ * e *t„dwrrMAd?hpMOrweet".aanpn{IM.ewtruedawfMerasearn/Adyp?nweneaa.rrwryee+dMemceerdrerwrudterwdr?.rnwaodm 1900111- ode A -11 -u" --p - cb*X01 ?0?'3 X 0/ zo ?a a reweNddy ^ndaar.rsnrrr+ .gMaewaldprllai+t4?elbt twr wur wMn.¦.mn. (.+ Mw?e I row ;;?7' .__-_._..U ?Il?i ?IY??I?ANAXW??YW4MWYMMWYN ?XNWWNI "" 6601 Loan Amoat $20,211 ¦ FIXED MONTHLY PAYMENT • NO APPLICATION FEE Personal Loans P.O. Box 83546 c part : 04 /Q6/03 nNO PREPAYMENT PENALTY ¦ NO COLLATERAL REQUIRED E? Rkhmond, VA 23283-5546 J For Deduct' Ya. Mon0._y pw-m Only f wal,* r-V 6969020366130 039 036 mcbeh R CtlP}bsu mwm ' t 241 7::z,,z3, 209 PorV Rd syriagF PA 17DD7 9148 3 8 2 z, l ChKWng Aa wx* • ,, XOY4 W Mm pries do* (" bw or &W rA Nose cross out and vsm s lf neeesrrty I M dydil..v me -en.O rb*MA¦..¦r arxI sedd s¦j* I Date d MAn Home f+llone 1 -7 e - s N- ezgb o1 t1 60 ('7r 7)45T-4( Oz r lr H¦yowww 0-619 mwk o" M¦ 10, H¦rd4 hr-d lmw AN%W UL" tOd w /royal Haaeldd ihCpee 03 C9 Dan ?. $1,0V3 $ 0 $ 5"61,300 aowk HrR it 0-*Nwn If ocyer BUW= RAN ?1 w4 E]salinip row ( ) - GsAppigel e¦po.,d) F¦n.d Lee Not. Gs ?pI1Mr¦r4 s¦dw swwry r Ma ( y- C1 P1'' hr?e r ?9to -?Sl-Z9 1 Z l IM4 yw "dn! Nw wk hMa Cr4ern stM¦el air 4w q+.1R.deMr.e? r ri faros 4ep/ewr, qw w ?Kdw GM¦I Ods MtY Horn W wrA.rr amr4lAm¦Oen Rr w ¦?rmrew d?et.l h•l w!t rod wpeNA¦tlli.i,lA¦err¦searnr.nM rrrwee verw?MAw•+4w^e.rosr?••p••4 Mso0areeCplo.sdrop.ee?,rymw+yane.r wwaregeoa.crr+oww?w+s?aatsifor oodom Ode X X o/ zv ?a bamoo ?pk.¦ asepnnwno .snnse,?e.e„mrp'rpler?rmrm N r 6601 CapFte One' 0000000 7 781260228593281 23 0000000408841635366 MICHELE R CLIPPINGER 017 t ' Free Automatic Payment Service: The convenience of writing one less check each month. Simply enclose this coupon with your payment for this month and send before your due date. Once .ve process your request, you will receive a confirmation letter containing the start date of your Automatic Payment Service. Please continue to make your monthly payment until you receive your confirmation letter. If you are already enrolled in Automatic Payment Service, please disregard this notice. F-l Yes, I want this service. Please sign me up. Your signature here X. Please ensure that the check you submit for the payment this month is drawn on a PERSONAL CHECKING ACCOUNT IN YOUR NAME, as this will be the Account from which your mo-o hl -paymentMLI be dedUCtcd. See reverse for more details. DILAM - 017-0703 CapifaI CW PERSONAL LOAN ACCOUNT JUL 24 - AUG 23, 2005 781260-2285973281 Pagel of l Loan Pavment Information Payments and Adjt>stments TOTALNEWBALANCE $12,352.88 AMOUNTDUE $1,635.36 Other Charges PAYMENT DUE DATE September 19, 2005 1 26 JUL PAST DUE FEE $29.00 At vour service To caB Customs Relations: 1-800-955-2115 S.dpeyn-tat.: Smdin,piucrto: Atm: Ranrttan¢ Proom" Capial One, F.S.B. Capital One P.O. Bax 790217 P.O. Bar 30285 St. Louis, MO 63179-0217 SLC, UT 84130-07%5 PLEASE RETURN PORTION BELOW WITH PAYMENT fowl 0000000 7 781260228593281 23 0000000408841635366 Total New Balance $12,352.88 Mmunum Amount Due $1,63536 Payment Due Date September 19, 2005 Total enclosed $ Account Number. 781260-2285973281 Pfrmep-t dJ-hvv-hx/mur-gbh.c bikko,L Scat ApL# city som ZIP Home Ph- Al- Ph- #9023685885361727# MAIL ID NUMBER MICHELE R CLIPPINGER MARK CLIPPINGER Capital One, F.S.B. N 209 FORGE RD # 241 P.O. Box 790217 lnnnlirninlrlltnrrltil BOILING SPRINGS PA 17007-9748 St. Louis, MO 63179-0217 itllnulinulilnrllrinl?uut?tiurll?nrlurilintirllui ° ? lur?l?un???nr?lnulunl?riu?ut?rlu?lulrl?nnln?u?u?tl Please smite yaw aaount number on ymvdak or money order madep'ayable to QitalOnA F.SB. and mail in the enclared envelope. r IMPORTANT INFORMATION New Loan and Other Charges Any amount borrowed and any late or returned check charges billed to your ban account during the time period covered by this billing statement. ?a Cred The total amount of any credits deducted from your ban account balance i during the time period covered by this billing statement. Payments The total of any payments applied to your loan account balance during the a time period covered by this billing statement. irfQi ? Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your Z check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. N you have a question about your Account, write to Capital One, Customer Relations, P.O. Box 85015, Richmond, VA 23285.5015 or t h? cat the toll-free phone number on the front of this statement. 011LBAK aeon. mom 8 0 o i ON: N tdN hra,bwt Noaoa: For yow payer to be credited on the same day' receioe k the bottom Portion of this wn and r chterk mast be received by us on a bcsiress day b9% a.m. at cur proces*V center. Please use the enclosed reakta ce envelope Vton mahfkg payment and atow troe 161 days IyasMNr d??y. Payaenfs received Ala), at anoeter locaom or in any oter form may rut be crecited the same day we retrlve tem. Orr bceress days are Monday tsouyt Friday, exclu6g holidays. When you sad us a deck{sl, you authorize rs to make a o?ttne electianhc trasfer deltht fmn your balk sow" for the amount of the [heck. This auhodzaaon applies W all chtero received ddng the bits cycle even if sera by someone else. if w canct process the transfer, you aulhodze us to make a charge agaiet your bark accent Lang the deck, a paper draft or other item. 042 Your account is temporarily suspended from future charges and cash advances due to its past due status. ?' A good credit rating can help you get credit cards, iii a cell phone or even a job. We can help restore your charging privileges: TEMPORARILY • Use our free Check by Phone service by calling 1-800-955-66oo. SUSPENDED • Call our friendly associates for payment options at the number above. • If you have online access, log on to your account and pay now at www.capitalone.com. /?"1111?,..-,!1,??rrG' "°V what's in your wa4et> • If you prefer, simply use the remittance coupon below. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. © 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 042-0605 Capifa1CW PERSONAL LOAN ACCOUNT 781260-2285973281 AUG 24 - SEP 23, 2005 Page 1 of 1 Loan Paymmt Information TOTALNEWBALANCE $12,460.73 AMOUNT DUE $12,460.73 PAYMENT DUE DATE October 18, 2005 At your service To ®B Cmtomer Rdations: 1-800-955-2115 Smdpaymmtsto: Smdingaiim to: Attn: Rayk=ce Pro-Bing Capital Ony F.S.B. Capital One P.O. Bar 790217 P.O. Box 30285 St Latin, MO 63179-0217 SLC, LIT 84130-0285 Imoortant Account Information Twelve unsung heroes of college athletic are competing for the honor of Capital One National Mascot of the Year - and you can help decide who wins Each week, the mascots go head-to-head in compefrtion, but only one will win the coveted title and $10,000 for their school. Go to capitalone.mm where you can vote daily for you favorite mascot - and don't forget to tune in to the Capital One Bowl on ABC on Monday, January 2, 2006, to see who wins? Payments and Adjustments OtherChatges 1 26 AUG PAST DUE FEE $29.00 ? PLEASE RETURN PORTION BELOW WITH PAYMENT C-2115017e1 0000000 7 781260228593281 23 0000000408840000007 Total New Balance $12,460.73 P&aap,vuad,*-d"Wg bd-rangbkawblakA6 Minimum Amount Due $12,460.73 Stmt Apc? Payment Due Date October 18, 2005 City ZIP Total enclosed $ Home Plvne Aloxrwre PMrc AomuntNumba 781260-2285973281 #90267858853617224 MAIL ID NUMBER MICHELE R CLIPPINGER im- MARK . CLIPPINGER Capital One, F.S.B. 209 FORGE RD # 241 P.O. Box 790217 1111II11IlI'II11111'll ° BOILING SPRINGS PA 17007-9748 St. Louis, MO 63119-0217 0 If1611J61Bill 61d66d61Bill 11 16111111111 If..III...IIIII11111f61f11111f611 61111131111111f6111111 11 1 Pleare write youraaount number m your check cr money order made payableto Capital Ono F. S.A and nail in the enlaced emaelopc IMPORTANT INFORMATION New Loan and Other Charges Any amount borrowed and any late or returned check charges billed to your loan account during the time period covered by this billing statement. Crerlgs The total amount of any credits deducted from your loan account balance during the time period covered by this billing statement. Payments The total of any payments applied to your loan account balance during the time period covered by this billing statement. Notice About 6achoric Chock Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. If you have a question about your Account, write to Capital One, Customer Relations, P.O. Box 85015, Richmond, VA 23285-5015 or cat the tnFfree phone number on the front of this statement. 011LBAK 8 o , o : 0 o ' N ?(V Yrpntrt r?baec For yaw payment to he aedted m the Berne day vve receive h, the batten palm of ? statement and your dock rrxa[ be received by us m a htakrsa day by 8:00 a.m. at our proceasirtg taxer. Please use the eralased ratxttace envelope vehm maiWg laytnat[ and albw See 15) days for postal deivery. Payrrraxs received by us a[ another kwatiar or xt arty orbs form may rut be rneat? the same deY we receive them. Our business days are naaday thal(Jt Friday, euitl&lg holitleys. W1an yAU sent is a clack(s), ym audadze us to make a as-time electnxtic trarerer debit fidn yaa Dark acmrx for the anwutt of tla clack. This alladzatlm appkes to aN rhecl® received dwlrg Ira h#r9 q'de even it earn by saneaa else. If vre tarot pnxxas the trerater, you authonze ua m make a large e9akat your barxc aanurt usmg the Lack, a paper dmfr a other item. Your account is temporarily suspended from future charges and cash advances due to its ACCOUNT STATUS FOR: past due status. MICHELE R CLIPPINGER A aood credit mdna can hely you aet credit cards a cell vhone or even a lob. We can help restore your charging privileges: I TEMPORARILY • Use our free Check by Phone service by calling i-8oo-955-6600. SUSPENDED • Call our friendly associates for payment options at the number above. • If you have online access, log on to your account and pay now at www.capitalone.com. ow what's in your walletl' • If you prefer, simply use the remittance coupon below. oat The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 042-OSM CapitalCw Loan Payment Information TOTALNEWBALANCE =12,56858 AMOUNT DUE $12,56858 PAYMENT DUE DATE Novanber18,2005 At your service To ?ll Customer Rdaiion& 1-800-955-2115 Sold paymain to: Sold it i¢is to. Attn: Rmuffi nm Pmassag Capital One, F.S.B. Capital One P.O. Box 790217 P.O. Box 30285 St Lou6, MO 63179.0217 SLC, UP 84130-0285 ImnortantAccotmt Information Twelve unstmg heroes of college athleti s are rnmpenng for the honor of Capital One National Mascot of the Year - and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the coveted tide and $10,000 for their school. Go to capitalone.com where you can vote daily for yam favorite mascot - and don't forget to tune in to the Capital One Bowl on ABC on Monday, January 2, 2006, to see who wins! M m PERSONAL LOAN ACCOUNT 781260.2285973281 SEP 24 - OCT23, 2005 Page 1 of 1 P?ylnents and Adjusmtents OtherChwg s 1 27 SEP PAST DUE FEE $29.00 PLEASE RETURN PORTION BELOW WITH PAYMENT Owbalo . 0000000 7 781260228593281 23 0000000408840000007 Total New Balance $12.568.58 Minunum Amount Due 512,568.58 Payment Due Daze November 18, 2005 Total enclosed $ Account Number: 781260-2285973281 sueet City Stag ZIP Home PFnne Altnnw Plnne #90296858853617214 MAIL ID NUMBER MICHELE R CLIPPINGER MARK . CLIPPINGER Capital One, F.S.B. 209 FORGE RD # 241 P.O. Box 790217 BOILING SPRINGS PA 17007-9748 St. Louis, MO 63179-0217 PleaJe writeSaw account number onyrosv cJnck or money ceder madepayable to Ca ,5ital ono F.SB. and mail in tbea l ed emmvi?oe r IMPORTANT INFORMATION New Loan and Other Charges Any amount borrowed and any late or returned check charges billed to your loan account during the time period covered by this billing statement. Credits The total amount of any credits deducted from your ban account balance L during the time period covered by this billing statement. ME Payments The total of an '- any payments applied to your ban account balance during the time period covered by this billing statement. t? tn? i Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your r11? check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we a= use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. N you have a question about your Aocount, write to Capital One, Customer Relations, P.O. Box 85015, Richmond, VA 232865015 or can the toFfree Phone number on the front of this statement. 011LBAK 8 O , o ; ?M ry Imp N InyatuR naaas: For yarn payment tp be cracked an the same day we receive it, Vie botlan po ion M this statement and your [neck mat be received by m on a bk>akreas tlay W 9:00 a.m. at OM proce9rg caner. Please use me emoted ranktatce envelope when mailing pey nat and abm Ave (5) days for postal detlvery. Peyrnerrm received by u at another loceticn a in any omen tam may not be credited Vie same day we receive than. Our blainess days me Malay thmrgk Riday, ewiuang lurrdays. When you send m a kmedkfs), you arMgdze fee to make a orK-* a ektvennc transfer debik fmm your bank aanut for the amount of the wreck This suftrizadan apples to e1 decks received dakg the dirg oyde even it sett by someone ems. If w ranr" pre the trasfer, you sudnrize us to make a c haMe against your bank accent LmV the check, a paper draft or over item. f"_ Q Q co 'r1 Ti 3C.t 4 _> - - k yt '?--?J 1 Our File No.: 151855 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.# 55140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff CAPITAL ONE BANK ) Plaintiff, ) VS. ) MICHELE R CLIPPINGER & MARK ) CLIPPINGER ) Defendant. ) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 08-1576 PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys for Plaintiff A Law Firm Engaged in Debt Collection . Scian, Esquire Dated: January 28, 2009 ? b ? r-? ??. ?, ?? ? -...