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HomeMy WebLinkAbout08-3022IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, Plaintiff vs. LESTER W. GINANNI, Defendant CIVIL-LAW DOCKET NO. OF- ENTRY OF APPEARANCE Kindly enter my appearance on behalf of Remit Corporation, Plaintiff, in the above captioned matter. Respectfully Submitted, THE REMIT CORPORATION LAURINDA J. V ELCKER, ESQUIRE Attorney No. 82706 36 W Main St Bloomsburg, PA 17815 570-387-1873 Fax 570-387-6474 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, Plaintiff VS. LESTER W. GINANNI, Defendant TO THE DEFENDANT: : CIVIL-LAW : DOCKET NO. 0 F- 36 zz ?1 7e-& .- NOTICE'TO DEFENDANT 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. Pennsylvania Lawyer Referral Service Cumberland County Bar Association 100 South Street, PO Box 186 2 Liberty Avenue Harrisburg, PA 17108 Carlisle, PA 17013 800-692-7375 717-249-3166 717-238-6807 LAURINDA J. ELCKER, ESQUIRE Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, Plaintiff vs. CIVIL-LAW LESTER W. GINANNI, DOCKET NO. U?- 30-2 .? Cwt emu---- Defendant COMPLAINT The Plaintiff, Remit Corporation, by and through its attorney Laurinda J. Voelcker, Esquire, hereby files this Complaint of which the following is a statement: 1. The Plaintiff, The Remit Corporation is a Pennsylvania Corporation doing business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County, Pennsylvania 17815 and is the assignee of Unifund CCR Partners. Copies of the documents assigning all relevant rights with reference to the present action to the Remit Corporation are attached hereto, incorporated herein and referred to hereafter as Exhibits A and B. 2. The Defendant, Lester W. Ginanni, is an adult individual residing at 823 Fishing Creek Road, New Cumberland, Cumberland County, Pennsylvania 17070. 3. Defendant obtained a US Bank Visa credit card on or about August 1, 2005, from US Bank National Association, ND, (hereinafter "original creditor"), Account number 4798 1746 7300 7473. 4. Unifimd CCR Partners purchased the account of Lester W. Ginanni from US Bank National Association, ND. A copy of the Affidavit of Indebtedness is attached hereto and labeled as Exhibit B. 5. Defendant used the extended credit leaving an unpaid balance of $10,943.79 with interest continuing to accrue at 10.00%per annum. 6. Defendant's last payment on this account was made on or about December 8, 2005. 7. To date the balance is $9,335.22 principal and $1,608.57 interest for a total of $10,943.79. COUNT 1 BREACH OF EXPRESS CONTRACT 8. The preceding paragraphs are incorporated herein by reference and made a part thereof as if fully set forth herein. 9. In consideration of the extension of credit provided by original creditor through a credit card, Defendant agreed to pay for all charges for purchases, balance transfers, cash advances, fees and interest on his/her account. 10. The reasonable charges and expenses owing for the credit card purchases, cash advances, balance transfers, fees and interest is $10,943.79. 11. Defendant accepted the extension of credit and utilized the credit card without complaint, objection or dispute as to credit services provided, the prices charged for the same or the costs incurred. 12. Defendant is indebted to the Plaintiff in the amount of $10,943.79. Defendant has failed and refused to pay the aforesaid sum despite frequent demand to do so and the same is now due and owing. 13. Defendant's failure to pay is a breach of the express written agreement between the Defendant and original creditor. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit C. WHEREFORE, Plaintiff, Remit Corporation, assignee of Unifund CCR Partners, demands judgment against the Defendant in the amount of $10,943.79 together with interest, costs, attorney fees and such further and additional relief as this Honorable Court deems just and equitable. COUNT II BREACH OF IMPLIED CONTRACT 14. The preceding paragraphs are incorporated herein by reference and made a part thereof as if fully set forth herein. 15. It is averred, in the alternative, in the paragraphs set forth above, if an express contract between original creditor and Defendant did not exist, that a contract implied by fact or implied within the law exists. 16. At all times relevant hereto, Defendant was aware that the original creditor was extending credit services to Defendant and that the original creditor expected to be paid for the Defendant's use of this credit. 17. Defendant used the credit card to purchase items, and/or transfer balances, and/or obtain cash advances and he received the same to Defendant's benefit. 18. The total reasonable value of the Defendant's use of the credit extended by original creditor is $10,943.79. 19. In breach of the implied contract, Defendant has failed and refused to pay the outstanding sum for the credit card use and the same is now due and owing. 20. The Defendant has failed and refused to pay the aforementioned sum despite frequent demand to do so. 21. By virtue of Plaintiff's assignment of this account, Defendant is indebted to the Plaintiff in the amount of $10,943.79. WHEREFORE, Plaintiff, Remit Corporation, assignee of Unifund CCR Partners, demands judgment against Defendant in the amount of $10,943.79, together with interest, costs, attorney fees and such further and additional relief as this Honorable Court deems just and equitable. COUNT III QUANTUM M ERIUT/UNJUST ENRICHMENT 22. The preceding paragraphs are incorporated herein by reference and made a part thereof as if fully set forth herein. 23. Original creditor provided the extension of credit as set forth above with the expectation of receiving payment for all use of this credit including, but not limited to, purchases, cash advances, balance transfers, fees and interest. 24. The credit extended by original creditor benefited Defendant. 25. The Defendant will be unjustly enriched if Defendant is allowed to retain the benefit resulting from Defendant's use of the credit card provided by original creditor without having to make reasonable payment for the value of the benefits received from the original creditor's provision of credit. 26. The original creditor was not a volunteer in providing the credit services set forth above and the Defendant understood that original creditor was entitled to compensation based upon Defendant's use of the credit card. 27. The reasonable value of the Defendant's use of the credit card including purchases, balances transfers, cash advances, fees and interest is $10,943.79. 28. By virtue of the Plaintiff's assignment of this account, Plaintiff, Remit Corporation is entitled to $10,943.79 from the Defendant and frequent demand for said sums has been made and the Defendant has failed and refused to pay the same. WHEREFORE, Plaintiff, Remit Corporation, assignee of Unifund CCR Partners demands judgment against the Defendant in the amount of $10,943.79 together with interest, costs, attorney fees and such further and additional relief, as this Honorable Court deems just and equitable. Respectfully submitted, Laurinda J. Voelcker, quire Attorney for Plaintiff PA ID #82706 Remit Corporation 36 West Main Street Bloomsburg, PA 17815 570-387-1873 Fax 570-387-6474 ASSIGNMENT OF CLAIM PURSUANT TO PENNSYLVANIA ACT 219 OF 1990 For value received, the undersigned: Unifund CCR Partners assigns to: The Remit Corporation doing business at: 36 W Main Street PO Box 7 Bloomsburg, PA 17815 a debt due to the undersigned from: Lester W. Ginanni 47981746 7300 7473 # 556382 for the sum of $10,943.79 arising from unpaid credit card services with interest accruing at 10.00% per annum. The said sum is justly due to the undersigned without offset or defense. The undersigned neither transfers to The Remit Corporation, nor expects The Remit Corporation to assume, any obligation or any liability of the assignor to the said debt. The undersigned has done nothing and will do nothing to discharge the debt or hinder its collection and hereby grants to The Remit Corporation the full power and authority, to bill and collect the aforesaid claim, in accordance with Pennsylvania Act 219 of 1990, Section 2, as it amends Title 18 regarding Section 7311, including to sue for, (in its own name, through a licensed attorney) and discharge the assigned debt. The Remit Corporation specifically agrees to comply with the Pennsylvania Act of December 17, 1968, P.L. 1224, No. 387 (known as the Unfair Trade Practices and Consumer Protection Law), and with the regulations promulgated under that Act pursuant to this assignment. Dated this 8th day of April, 2008. State of Ohio. County of Hamilton. Joseph Lutz, Record Specialist & Account Manager EXH " Authorized Signature Unifund CCR Partners L AFFIDAVIT OF INDEBTEDNESS State of Ohio ) County of Hamilton ) ss. Kim Kenney, being sworn, deposes and says that she is an authorized representative of Unifund CCR Partners, servicer, which is doing business at 10625 Techwoods Circle, Cincinnati, Ohio 45242, and that she is authorized to make the following statements and representations which are within her personal knowledge, and that she is competent to testify to the matters stated herein. To the best of her knowledge the Defendant is not now in the Military Service as defined in the Soldier's and Sailor's Civil Relief Act of 1940 and amendments thereto. There is due and payable from LESTER W GINANNI, Account Number 4798174673007473, the amount of $10856.81. This account was issued under the name of US BANK ND and acquired from US Bank National Association ND. Said account has been forwarded to REMIT Corporation, as attorney for Plaintiff Unifund CCR Partners, for the purpose of the commencement of a legal suit, with full power and authority to do and perform all acts necessary for the collection, adjustment, compromise or satisfaction of said claim as permitted by law. I do solemnly declare and affirm under the penalties of perjury that the matters set forth above are true and correct to the best of my knowledge. WT? ATED this 03/24/2008 UND CCR PARTNERS By: Kim Kenney, Authorized Representative Title 10625 Techwoods Circle Cincinnati OH 45242 Address I hereby certify that on 03/24/2008, before me, the subscriber, a Notary Public for the State/County aforesaid, personally appeared the above-stated affiant, and made oath in due form of law. Notary Public My commission Expires 634 0\\?? 1IUlrr1/111 1 • ? EX o.?P? At H?B?r ?•' \? I I%1??.{ ONIQUE FERNANDERS ; `\ = NOTARY PUBLIC L STATIC OF OHIO Comm. Expires December 26, 2012 i f OF ?\01\\ ? ? ??irrrnrnt?????? 5, 2004 1, 32POI 1 `US BANK"'90 u3t? cxkutr c axu N0.0182 P. 2 W1002 r CLASSIC VISA! VISA GOLD MASTE?CA b Alb GOLb CAS AGRFEMEJjT Thn aWef„rnt r* Mn!nd Bank a# nd p Y``tnl United staca ate" and ° r &4vd to .21 .. ?us a ihene. •,rou you. For l p ' mftn, otea of thr ASM40- V?. Vua Gold, each apF? to wh fl,st our Claw. (the --flank Card.. ? r1k or Gold Mm"ICard cud Prison wing ommh to icfued and eaeh OF Bank account (tht o?trc uce thv E:,nk CW COroinPlYenaltrr:peetc GrdicAcreum"i saBrrc TWI rbr oemu ofehK AS?tamene. AgtecYStent coning the scant crM s n?r the Bank CA and the C+rdir ACCOUntendd,ac Lendi,? Dixeltxures MadQ Purmanr co Troth-1n_ g Ac This '*dm* m wW discloeu AF",nc m'Pmedes .1,,, prtdr nirbed unt YOU Pabi+ting to the lbtt?k Cant or Credit A 'ua it and ACr aK d asokt K. 40111s60 FDIC daatk of Cie Im ¦A - CA. IM. WX K kp F__1; ACCOUNT AGRMMENT L PaPmebe of Amatm of You slug pay to to the atsoont oral t ? GPs0r ? M t oaast (ACTa? ink Cacd,aft_ nla* 03h dftlM Ume afa VBANk• eonweniente ra K4 C AT1K'y dpe doer nar rbc??d shmed by us n o kr «?ds odxv ro.vmb n TM 2, f+reac of Od. Cmrs gad charges you vacr ? arc e, a. e t ?sai1 fib W CI&W deacraaed an o*er feM eesa the Apwalm 3• xAStorSaolm YOU 2W Cat* or '! ChWb Cad or °? ut Pf *"V& of rose *r th9fi of di,.enmenien,h chccb or am ortho Gtdit Account. No[ieC fltoula??hori:M us us by e PO L194 -:;-"34 of in wtidtcprovided s at Oregon gnut E EXH IT 'MAY. :.1004' 1:3240 1 `US BANK"" i'sn GW"LI c.IXD NO. 0182 P. 3 'looa 4. Cancelladon of Credit Account 7'4c Dank Card s our pn%pc ;And we stlav wiehoirc ?bikr, oriwncc GD ?'oU ttitivhe of t]npel ?) Or?ry?rPjrt of ttk• pnvd9Sa rdacrd to ,,-=.•ns-o??t o rltcss f ctedir oA the 11:Ws ofrhe Bards Card. torn% knrv. cMda. or the Garr unt. You ws11 su ndct & 92nh Card to to upon our demaz( and wig surtrnndrr du Ilmtk Cud to 4n Pu'aeipaang Dank Card merchanr or bank upon its dL? To wtmitncc dtc Cft At Account and &we your 6Nk,y for tunas aww-&ns by P..%-"m who mdw W... Pint'Wiftlw for the bank Card or wav at jAy pntt su Cv"Ik ehof;zed in a??v aunncr to use the !? Card or the B34 Cnds luu d. must r+ecurn on nr slt eue:pm? S. Failure to EXM W Crrdic Ctvn d we nor co o C 2.h* other bank shell by liable for failure 'arcdir on the bans of chc• Bank Cu4 the eon " "'cue checks` or tAg CIV49 Account No &a Cud ntcrcluut spilt be liable for &1,, to honor s}K B,,Ik Cud. the een"I"Ke check& or the CA-&•Aeft . . 6. AnmW Fee: The annZal &a arc t?eercfun4we cpep„ thwmvsr be open, See . x !o"F as rota Credtc Atdeunt is ? » beta Made Pucmc to ands.io- atuaual- or "ditleed.i on dse 7. Cmdit Limit Ile avor &* A w* roa is jor du ?aI aE mss. ? in without fnsei.. ?Pw?cesasttadao?,AGi'srane. Ord bra toe ofATft and A oth W"" btusteed ROL 'e?'d 00 tiot r ad Cp&i.ft &* Cwt oa the Credit Aetoam dw, wouk Mae yftw MW for inl=dM " d to the Catdic Ae your . pta`aded. et+ & ?c is e. ATM Use ,your You easy ? YourB? CW to ?n ? ? For Pwpotes of Acmunt 11 thli 'uto 5300 dPtr w dry at AIMS. iredrrr dsc 5300-p.,dv limit has be r„ meked, at or Vier 3 ?+actio;0w sb at AT% nplccc, p sn, on am day. 1 at ? Wis. and hOlida?_ w I I+r K:4r uednY• Sinn_ on cha foQom"S d3V ATM canh" +td eo lour been made °j??) up [o ncc ulk"I pornoa I" ?o??,nU! bcOwk- ttle amount oreaeh vzurcfedic y-it. and co,. n wN be a qsh advance %M Your Credit Acount, b. yOU t'? 'op m :nice eo sonal Sdenti8eanoa [camber prWQCMCc ). ATM Mprcd Pr+- rnaybe ea u,tkd by w twn thoATM P'"'B°!S or related pnvllera ate iwt cane L Crcdc Account 9. PaY@esm TI'e a'AO1IX,a"mnt'P? ft 901 the computation. Account !i ot• your purma?rs on your Credit A' you skean ??at? teat p"q- the enwr ••t*w bAktnrc.. pgriatfc Mrxcssieru. but c><d t?'tonrh you mWtps??utac ob the t? -muP;t rq>am J showzs yatcntcur. I'he "M;nimusu wtrtofdw'-CunvttDue- ands P??Duc,. 4thc Shown on & Pedodie fume 'lay t 0Amoutsi • Jena the -p?UEIUC M?otati st lei [baa 31Q 03UM PS.Valenr D >?ny s1[ewct on ? ? atnot4st of else •'New 9ataocS Jew »?Pa'o& nt. tfd[e ^Naw• "t Compute the " DNt t•f it W or mbrt? of S10 or 3% or Cunvnr Dvc Mftu a the greah.'he ? " and the paud ee be.". the "New DIN- Mm # den sauAt>tounc' Tbp ..Cur sent nded to t6 nixt We ?tzce V the rishe to dol!]r, sa?Pal+ateAt br the i a!OW glown Crrdit AcmW 160td to addmo& Your on wM be &gcked sd ofdw dYaw Pie MNMkMg and addras by 7 3-ft an a brrt+r* f t if d at diet 1 . grM Aer dw timet acurts will be palow en eh a Ort d?jviyed of on" d>a ne tt , raly not be cft&md to oru other P d a rbo??err +'tcrived, Mal oP ro five S on Yow Credit Account .. ur oas of i'tuyacrre s?or to ft P nr bg the io'dcurion on which t bjw dtavst. Palmletu is a 5. 2004 1:32PM41 1 'US BANKozv" uoo l.l?L//AA i 10. Liability &T collection costs Whcchtr or not IWSKion it irWisuccd to collect arnouna oWrd or ;ho Cncdit Account. You shall. be habit for all reasonable collection ccsa. including renonab4- acor- ncy fees at trial avid on soocal or review. 11- Overdraft Pimtecdon Privileges if you apP1Y For and we granted ACT privikgvs Wdug Your Credit Actouatz*da desigwwd eheddrigaecount, this seetion shalt be a part of the Agmcment: A. You audwriac us ro compkw ACT craasaetions (i.e.. rruce zorarnadc carte tt- a) 6vm }root Ccrdic Accouru co your desWated checking account of such amounts ax may be ameamy to prevent the chec6Vacoount front being avetthawo, The awattat ofeach ACT mat=don will be a tech adhnee Rorer your Credit Account. b. ACT tra,nm eciors from your Credit Account to your denpuced checking account -iH be subject to duly or other overdraft, withdrawn, and ACT Hrniacions which may change from tune to qmc. c- ACT wnswdons may br mad, by of in multiplex of 525 rtgin ra or the sa?ovae of dst overdraft and will be made only up to dot unused portion of your credit fifWr- N0. 0182 P. 4 c We wall noc rttum )your cme:l:d cnnvt-m.ncc ehr,I,. Rather. our Cheek SaiekeePing service ..,p apple mui canceled convenience cheeks wM be nix-mithnrd bu to and the vdcrordm rccood -711 be rVoIncd b? vt for Nevo-. yeas. Processed eorwenk-rice checks arc nude evadable to you on the dare the statement n maikcd to you. You an responebleforeanrinjngcach totcmcnrandreport- ing any ftnguluides to us. The staccrncnr win be consi- dered eoreeer and *14 Will not be Mfkohnbfc for MV forsned_ altered or unurohoriwd eonwwrocc check ii: (1) you fail co notify us-i rithinihtry (60) 6?s ofth,• nail. ing due of the saceasecu and availability oe co8-icdicncr checks containing ackv foqpv. akerjtioe_ or Unautho- 42td signocarr on the check ar (2) any conwmenec thecla ate forged or alaeried in a manner not detectable by a reasonable penon_ You agree char our retention or' convenitnct checks does nwa t r orKaf%'c Your rt'spor.- sibility co examine your lCtwaxents and cowmienc. check copici or the tune Lrnir for notifying us of ar., MOM f YOu anchorimc to ro accept and pa 3 conveniencr check. even a the check it presrnred for psvrncnt bejorr it; chte. unku P*U nod& as of the poscdacmg. Your notice will be efftt`dve otdy if we receive dw node a P.Q riot 4341 AbrttarreL Ornate 977M fte"hone 1MAY, 5, 1004' 1:32PMAA " US BANK "s" "'° ""„-• "`? NO.0182 P, r. i3. Gtoul? Credit U4. DimMji4, a } Un"Vloyawnt Inauum ,ee /f ymaPPj?wr credit cite. atilt duAbilitx ind involun- ?y unemplo}mwnt credit h mrana ytd ac mcepecd. the irgauanr c Will be in C*ct a4 of thr tit^tr Ace. of the briling gk4L* is which YOU A& .uceperd. The moaddy pis U-M be chalvd to vow Cirdit ACegum each nwneh as a pucehw, so long = the fivamwe is trot cm- eeltd. Thr premium for cwA mom, W111116 eyek in which the imrsrrtc is in e$?'et shall ba dileloscd in the i"021 e a 0cs-cion WC give You. )bu My ducel cht i"ranee at any time by gi'd+?p to we6va noner at P.O Bm433_, Pte-.lend,' cha iasutrrscr or t" w e w''flil We arx? caned hat?re chc pee"um the inno- cents eompny_ orthe eevrmw b-•sivtng-Timm notice w you. Credit lift. Mat &a6dicy. and ifmhmmry uaemplovpttnc credit Acnus»tr is not tcquim& buc is ""ik co el*blc Aeeouffiboldars Nt*o wish to have it. 14. Acceleration Any chdm vwe he%Y post rehscd t0 extensions of ecrcit on tlly WA of d* Built Gn9. tha eafvetffente dxAm. or du Crcdic Aetotmtrt dhA u art ope?on becvrne fiftncifimly due and pmt widtoutprsorcrociee ifyou Fag to Pcg&m any of the ravfs ordre Apetiwerrt qr so VWs s pia is amrdeete ts& dw wrn# of the ?rtmaictklay?_?mldar t!w Agreeam me nvidsous oy? q?sseo6oeer d>ac right of rwv other r* in she &mm peswam of any I "U way hm degiveurd to fttsyr IdOd m aecar+e ate dh on r 2161: Cvt c 15. Chmp of Termu I'E M" CHANM ANY Orr TJMA.1T$S, MSS Olt OTHj R TES AMICABLE TO YOUR '*WE NOr= TO YipV AT Lg=Zi mss BVIOU THE EFFICTIVE DAIS Of THE TO ALL ? ? A ING A-r IM • T TO NEW pM AS WELL ADVANCES. AND &MANW. RMlSAC7rONS. 16. rQuip Ctat vwy If rote 6* aatfdpm on rewr teethe Acmm in a etfrrevcr odmr ehasl US. Dollars. VsCi USA, 1=., or 6- smvQm LIWnU(ioudl 1rno(pQeattd. Av, th, eaw,us;• Will M. hs curmacr c.• w"n"r procedure the-1, i? err and nlrh transitions ?.ill be hUird on your peri- u,+eammntcoastreed m US. Dollam Af of)wtr f991. erne. con%-ers61 proadutr QVd he VIII USA. '.. acrd MawcrCard intc-Innronal hfcorparxw immwd of. the goacnu tw-maidned :xchanp ntr or. it Fivemment-um6ced cxehmp rase exists in the AD? in vAkh the ranaccion occurs. d* w hol mle #t rtte In chef f one dap prior to the prvicexeinp dace. end b!' I'>ti. The m-W,y canTsivn race uwd on pmes*mp date tusy chic; frvn the rm rhu would barn and on dic i _.:Anse datr or eudhoid:rttacc- It poweir due i'4 %vtite to us M !?Q vox.1342. haul, OnGtm y720$, if you want finches Inlorc - About the curry ;onv,!rsion procedure now III Govetming Law Pt to ihr Cmnc Ccd,,_1 liw oruy .:spiv; the AMC- and your Credit Aceoum shag be Fovam d br and tad in aec'otdauer with the Iawx ache Sat; of %"- w hcrher or not you UIL,? in Orepm c--'ASUM MADE PURSUANT TO TRUTH-tN-LEMING ACI Coadu m ub er Vhieh a Faann QUO Mar Bs Imposed i Advmmm e ekil" srm dUW4 to the Cmdn Account on ea* advance ac soon is * c" advwe im posted tv r Credit Aeeaunt, dmnoe t#ftrges fns cha¢d ea puedfxtet iEtirs: seeeiv? wed RCJics motlsdent CO pay your "New eWh Whin Cy& by the hymen Dne Dm °"' y9w W6gxmremmk which vA be not lams &0 kly-*theSooementOodWDam This die mam mondgy Amid h obowe on each penack raoemenr. Room ehogp m dmBed ? p? As soon 3s the pum hmc is posted to Gediz Aeeeunc if the "Ntw 8s mee" is nor paid im by the Psymcm Dtat Data inch bil1kV cycle. for Y 1NAY, 5. 20041 1: 33*1 ' '*US 8ANK65y0 U!>V 9-Kr-L11 01 No finance ehsrpi an ehamed in the currant bililerg rycle pn pucrh ese, ifpa• mct+tt and crcdiex ar&O12t topay the -New BAwt' for the pawi- ay Wine C)ele were treeived by ehe Pmncnt Dur Dane for the pm-lout baling cork: and (?) Evr3lifthe"N-ftBabittcr'lordiepreviouahi& +nS cYck rs, not so paid, if paymcaa and credal suf cim re pay the -New Balance" For an me- mit U&S cycle arc reeelved be the Psrnrent Dee ibte for tho turn at Whig eyek no addi- rivnal fio we chug-, w ehsrged in the nett belling cycle all puteboses 2. Deazwkation of Bdanm oe While Petiole fuuaa Cba W Wy Be Co,mipoed We firm a pordein ofthe finw%v ehugo on your Credit Accotux b?• Wlh* dw pcdoder rite to the wormy daily bWames of pi nrhami and eash advances of pow Credit Aceoant On6mrueg Cumnc ftrimeaons): a. Balance of Pmeham To pt the avenge dally bib= of pimhsm vac take the bepminb? balarree of purchases of your Ctrdh Arcount tack day. add am new purrhasw, and subowt any pagmaw oc acclis, g7led to putcbam Tlsk givc, tier dr< dAr bd=c vfpure)psm Than. we add up all Aw d* balaM of pue+xw Got the killing cy dt aad divide dW %W by die WMheraf days k eb ebii C9& Thu Ow tut chews. dsiiybdmm e(Pow emct. The avamp d>aap'6alaase re oPpurdum fat die br'9ing cycle is tx+tW 1 x to be arm. bower+dc ifpayrteemmd,twills PaMent to pay lire "Nett Balitltt I for die pews bfte Jc4sd am m the fice ofebepaled?cmto. mcaq *vm vocciwd by the Pavmm Due Date *Pm on char aasaneetu b. Balitacs of Cast A&faaoaa To gee: die avemp chap balaace of ath dmew. we bN?afbolsrot+of?tadvaac. ai"pomCied(t y: &W sew -cash odawm ailed sub- wo mor payatM W a4ft applied to cob wkno a, This Siva us the drdiy babmce of stall adva wcL Theo vrs add up 4A the daily bdsaees of ash edvaaet i for ebe btf li(tng spdt and lvidr the rod by tree RMber otdaya in the billing cv& This giaes us the avomp daffy bohnee of cash advwmL it NO. 0182 P. 6 3. Method of Decetmirdng Amomc of Finance Charge s. Putt:liaaM Theonlybra r chsgt >c thaapply topumh ucsarcpuri- odic finance cinrivt, which %ye compute by Majoph ing cbc avenge- daily balm-- or pure me, iorehe bah S ' cycle by die penoefic rate th"•n on die Cke of the prnodic eradrmettt for imm billing cede and then b; mulrrplyi>,y die MWIt by the nuisebw of &a i in the billing eyc)c, b. Cash Advances Tberr me rwo :yper of FINANCE CHARGES that apply to Cash x&srtces: (t) A cash advent- ke (FINANCE CF[AAM of 3% Ot the amount or the advance (g2 mini- mum. no maairnutn) it charted rte etch cash advance obtalned in any nunnm enetuding ash adrsnee• wing a convenience :heck. art auto- mated truer mxhinc IATM). a check drawn on your US. Bank Cudit Account. autonudc cash minsien (A" or t each adrrtice u mother financial insdunion: acid V) Periodic fpanCt diu30f arc ehstrd on itch cash advance and are computed bw inulaplying th. average d4f bsbioee o(ns6 adwrtvts to the bill- ingcyck by thepcdodie rattAwn on the 6ce of the periods sptanent Par sbat bra>sng welt ? of day ilk mWdpl.ft ? b' the own. bar ofandt adwaae faarteadpetsode finanee doge "" tine 5osnce elaege for cauh odvaam c. FhPJWC Cdocr far the Account We add up the limn-- cbargu for putdwes and thr finuft fix rash advances. and chc too) is the fmsaee -bags Ent the Card- Aeeotm For eery billing cY& ids "hied efu coal MUNC$ CHARGE mad adur-im be benvee a &01 and 149 ?asba&% ; niini- mmm FKAMM CHAAGE of 330 wM be maied 4. P ie Raw turd Coctespvb&OC Amoits( Pets gaup Race tt. Clmk Vha and Mucurard The petiodic tats odd corutpondmg ANNUAL PEN. CENTAGE RATE that vie use to compute pcnodit nuance dwMa on your Credit A=o mt %aM be bared on dse "Pdow Rare" and may chaetge monthly, Por aseb 9, z. I ??,,,, %,.,L" U41% IVY. 5. 2004' 1;33MMU 1 "US BANK" billing erek. wa use an ANNUAL P'BRCENTAGE RATE mow) its Sri"o perannotn plus the ""tine Raw" i4odiwd in the "Money ltaa~ rrdtat of 77tr ll;rll inw.14in+d as in t7tcct an the 35th Jar of the mooch ptieWing the trimich in %%-hrrh the bilinq eyew crust. For etgmple. Pori billingc -0c thic enth in finuary 1997. the ANNUAL PEACENTACE RATE u id be baud on the prime liter it effct= mi Mccmbcr Z5. PAK As or rXvmberM5 19ft chc Priruv Raaf rat E.,l %pcr=w%. Thus. the ANNUAL PERCENTAGE RATE and drib p erictdle em foe, Win# evele slut ends in f>tttury IW7 -9 be 17.9% and J14MIL mVcca„civ b. %rim Gold and Gold MamrCard Thd periodic raw and c eiri: pondittg ANNUAL PEP_ C£NTAGE [LATE th¦r • use to eontpuu: periodic dntr ed chaygn on Four Lft'dk Arcoetic 1%111 be bawd on the •-PArnr Wa'•.ind assn CitattpPnwnftt For Leh billing chi k -o use in Ab& AL PER&NTAGE RATBagttd to %•i". per annum phtt cbe "Prime RAW' Won"ed vat dhr "Man-ev rum- sced(n of The 110 Smwjw# n 1.n in eater on the 25th day of the month prededinit die mmath in which cbc billing cycle endt For caetraple. for a 60mg qvk that %ndt is jmuwv 1"7, the ANNUAL PERCENTAGE RATE wiV be bound on the Prime Rut is effect an lhermber a. lv% A+ of Dcmntbdr3X t991•adte Veiareilitt +a5c po:atsaaru Thus the ANNML PERCENTAGE RATE nad dd?- *Ilbo and43l* 1?Y mWdck e. CArlllpm dos of PerhAc Bice if 71st MW SnWj"RW Wand5ft more titan ant VAG* for the Pdme Rate m in vM= oa tlic 5ch day of oar mon&,&v vw the Wg w vJw ideeri6ed is T1w Wdt Shrer,Jratmal is owipt ft4dW ANNUAL PEAG'E[+>: TACK RAIL Rct compute-dw tare by dilrid- ing dw ANNUAL pEA N RATE by ma (.V4 for bd14 crdits that end in a leap vtar). - d. Chem" Tits Pew& oat ad coavgwaft ANNUAL PECii- CENTAGE RATE shay iaeMM ordst:reaye nWXWy as • cbe Prime )less incrust or diiia m Tiro malt tenth in an iaawoe ter deem in yaw v ieiviaum pcciodic PafMeu 10. NO, 0182 P. i -- 3. Conditions under w)vch Ocher Cct:a artd Charges Mar Hr Impaled 1. Annual F?. A twnnfundtbIc utntul rc t11AI h. char}xd nt e.kh C.rvdit At%*punc. 71u• Jttttual he tier a CLtrge Viw ,tr M.tarrCard acewtu t. SK •,J the 111nu.J rive t;.r r Vi, r Cull of Gttid Master('.eri Wcaunr it a3.1, The tcc Han 6ne be clunxd when the Ctc&t Ac vuat n opt ned end will be ehafped Wn anou tlh• tht-matit-c The; annual rce ti nonrctirAbble even if (1) your privt7 W, rclared ca the Sprtk C• tvl or dw C?Nic A-•et•tanr are m,okcd or rance?cd by us or (M you do not use the Dank Card of CM-dtc Account so obain am mownw ofemdir. e1•tY, if , 9U Caber! the Credit Accoutre by a tummg unused All Barth C:oz* and rtuwLvi;.rtrc check. tint tenrAfivrchc CtcAecountxat tpcue s, ulthitr 1.1 LL%? ifttr ;mu trcciwd ehoK !kink Garet luJ ;heck-4. I" Unirvd Statct NatitmAl Batts. of Clirvpn. P.U. Bo% J.1111 PofWnd. Orc on 97-21tt(- you n•dl net he nhlipawj its ply the thndjiIrcet unposed when rhty Cn-do: Aeeottnt wN opened. b. Ltwe Charpsr Payawntt arc Inc aim) they an nvt toe ivw it c11e aJdncalaF,mzt oft yourP?tntincnc6.:rnR dr: tht,- ing dw ache rn_ec biltittg m-cle. A Ixe rlurW of sett of 5% al die ..Current DuC ar slsvwn an y6ur periodic snatnem. rr hicbt%-cr 6 atotc. mn be charxtd far p?+6 mesa not mccieed witbin 13 dq4 after for --P3vmcne Due Date or ifdte ia-&y Penned t: vf, is On a Saturday, Sunday, or Jrg21 hobdayt by the end of the next bltsitim dak w Over-,lhok Fee We may Clatbi: an oreiShr ak fee of .20 if etc balance ofvevr Ordic Acrqunt exceeds your cudit limic at any dace *=#a bM%gck- We-0 dmp only tanr *!let' &* &* pWr Wens gr1e d. latuned Aayumm Fen We my ebltt£tr your Credit Account 320 if you give a:a check a? Pal+m dLub dklicia tsed or odxvwiFc revjrftd unpaid for am rexim Them M" W psymear fees W01 ?C ehaeged to your Creek Acomint as s pttrchmc txamactiwa. Il. A? ,IV,AY_ 5. 2004' 1: 33P1" 1 'US BANK "b" uap LALZU11 ?nnu & Card Ropka mreu Fat A c ad rrpL -ft'ftt ti:r of $III nUy br assessed for rcplaa:- Ing each )yank C.srd lake or goILn- and the Cec %%40 be 62Wd to war Crv%Xt Arcot peas a pumfmc miuwdon. f. Rest wed Cvavanitace Chedc Fee we nay ds P 3 fee of Vii fist each cwwritence check- '%'6u-.'n on )var Credit Account thu we tefuw to honor because ?out audit limit is or %vuld be wtcecded. or b cww you xe in dc6ult on voatr Credit Accoum. These returned eonviiWevicce cheek i-a will be charged m your Grtdit Aecom of 3 purc6se transaction. g. Starp Nym w Cbwgu YOU 104 pa, s scup payment chtsrgc of San foe each con- •ritirnee cheek fvrr*hi t .oa have given a stop pay- nxm brdrG We m not obligated w horror any w7icftn or seal swop pr.mw c order on a convenience cheek unk-w the reap pagT&w ondcr is made by the k=a of that con- %tniener Check. Thm Kop payment chat cs will be charged 0 Your Credit Account as a purrhm transaction h. Co" Chop I!>V+ Mqueu copies of wM aetiod sllpR baling Pute- ntcuts, eoffma6m.• theckL or odiardoctun to wt may charge S3 per c"w Thew is no co" ehaegr for au. ravucat in connection wig a billing error 71h= cop, o hWd m your C&,ditAccotmc as a pur- NMCB: SM BELOW X* DOORTANT 1' FORMATIONREGARIDINGYOURREGHTS TO DISPUTE BILLING ERRORS. YOUR BLULING RIGHT'S KEO THIS Nmcp. FOR FUTURE USE This ttotlce cepa?vit ipspp*pie ltsivonaar,a?t aLoat yoatt Viand ou[ wider tttt Fair CM* Arr. Nodf? Us in Caste of EM= Of Qt>CWM About Yom RM lEyo• drink your bfri b `"'eAg• or;Fyots aead esiora irefoe- nxttion about a e+r+wdon on your biR. write ut on ,a scpatatr sheer At United Sitatea Mdwna) bmk of Oregon, Custemer Sericc. P.V. Bas 43-11 Portland Oregon L NO. 0182 P. 8 qeN"" q?-V& Write to usas soon at pouible. We must hear Irons You no lady dtare btu dap after %% It war ,-ow nc%. fnse bill on .vhich the error or problem.tc peard, You can tvic- Dhone LO, but doing so will nor preserve }vur rifiha In your lecmc give m the ie$owing irdomtarion: • Your name god Credit AeeeWet number: n The dollar ataeourst of the sntpeeted errs): • Describe the arer and explain, if you can, wjjt you believe :ham is ail snot If You nerd more informa. tion. dmite the it= w arc not wrti aboua If you have audwKieed us eo pap your credit card bill automatically fern your a vihps or ehc&ng account. You can LOP the psyosent on aw amount you think st wzong. To crop the pa ment rear lerccr musr reach us chr a business days before the auro-atic pa.m-cnt is scheduled to occur Ybutr Rim and Our itoaportsibitides Afar We Receive )four Written KOtice We ttwst *CkMV4WV yOW Barr within 30 days, vmk% we hsnre corrected the error by theft. Within go days, wa MUR Auger tcncR the error or e.v"n why %vr belie r the bill -6 Correa Aftz:r we rcceivc, your letter; we cannot wv to calker any aasount you question, or report yon as delinquent. We can coadnut to bt7 you her the mount ;rots ques- tion, lntW&V dobve dLwt s, and we ran appk spy arnounc agaittat yauretsedir Iittec 16a do not have to pay my Tue9dowd 4mowic VAdc we are If"w9 ave. m& bar You am scill 44ped to par the pant of your bill d w w got in qutodors, lfwr fiend e}qt vre sesade a mistake on yaw baL sea Wi11W not ha" to pay Niy hitgnct: cis related to amt ques- dmwdamount. if we slid not make sinisoho- Yves tray lssrt to per 6nnstoe * YOU win have w tttsakt up any Mod ei&erCw-w: ?7ou thcamo Yost awe sad the date dot it is due, if you fir so ply the tsnontsc that we dkh* you owe, eve miry tcparyon a ddi"woe. However, shoat bTh- nadon does not satisfy you and you wrist to w wlftd = 43 Wtbq w dear you sdIl refine to pay we must tell UK.Vac vet: report you to drat you have a WCAion aboutyourbiill. And, we num tell you the name ofany. 11 pip i` aY ?,?... Uou , 5. 2004. 133P US BANK,?„tj -MAWR t"W a, r?'pwocdvou 0% we mutr twl ?1ln oqt x e apart you h1 drat dw MKD-V hat, born rrt&d bamvm ue %to, it ILIA it, if 1.v %h' not "F)w theca n34 n`O caa c eollm dte A m 011 o die gmoWvncd antvttn, ct if ywvt bt71 w ntrntc. r Spt. dot Rue for Cleo Cod pinicha a Qv" h-nv a problem u*h dtr giak ajit" w a : W C" tfix y" pied widt a stt& ow. and wu 111Ye tried is YN4 Filch m coum *c proWm *jch the 11ILWhOL YOU tna bx" th i Y e t ght not co pay t6 m nin. onp anwuocdtta on the pedpCM to H16 or srriCr. Tltettl nc - 1[ l t on dab djg a. lEtwen4ehttecmtdi dzCpy? ? yourhome mte ttr. II me within )tour home stw. widin loo rAd% of your curmm imffi w ad1sr smd b. The pry prier tans ha%v boon mom thm S a -11kW Bmineimm do we -P* i f trr am oropow th, iim h.ttttc. nrif ft Ma&d )tilt the ackvrd entrmfor the, prgq ml or vrrkcl. 1 y wom- re % 14. i t NO. 0182 P. M VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct. I understand that false statements herein are subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. d", G. f?,,, Harry A. ausser, III, Remit rporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, Plaintiff vs. : CIVIL-LAW LESTER W. GINANNI, DOCKET NO. Defendant AFFIDAVIT OF NON-MILITARY SERVICE The Defendant is not now in the Military Service, as defined in the Soldier's and Sailor's Civil Relief Act of 1940 with amendments, not has been in such service within thirty days hereof. I 6 11- Dated this 1 day of 41X V , 2008 Laurinda J. VoelcketAsquire Attorney For Remit Corporation Attorney ID 82706 36 West Main Street Bloomsburg, PA 17815 570-387-1873 Fax 570-387-6474 Request for Military Status Department of Defense Manpower Data Center U Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 1 APR-24-2008 09:37:27 Last Name First/Middle Begin Date Active Duty Status Service/Agency GINANNI LESTER W Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. ola Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http:Hwww.defenselink.mil/faq/pis/PC09SLDR.htm] WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: FFAJCPGOWE https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/24/2008 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, Plaintiff VS. : CIVIL-LAW LESTER W. GINANNI, DOCKET NO. Defendant CERTIFICATION OF ADDRESSES I certify that the precise address(es) of Plaintiff and Defendant(s) are as follows: Plaintiff: Remit Corporation 36 West Main Street Bloomsburg, PA 17815 Defendant: Lester W. Ginanni 823 Fishing Creek Road New Cumberland, PA 17070 Respectfully submitted, Laurinda J. Voelckef, Esquire Attorney for Plaintiff PA ID #82706 Remit Corporation 36 West Main Street Bloomsburg, PA 17815 570-387-1873 Fax 570-387-6474 C'? ha C 7 R AD n `R J co I Lj IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Plaintiff VS. : CIVIL-LAW LESTER W. GINANNI, DOCKET NO. 08-3022 CIVIL TERM Defendant PRAECIPE TO WITHDRAW COMPLAINT To The Prothonotary: Please withdraw the complaint filed by the Plaintiff, REMIT CORPORATION, against Defendant, LESTER W. GINANNI. Respectfully Submitted, THE REMIT CORPORATION zd"f /)JC - LAURINDA O CKER, ESQUIRE Attorney ID 82'106 Attorney for Plaintiff The Remit Corporation 36 W Main St PO Box 7 Bloomsburg, PA 17815 Telephone 570-387-6470 Fax 570-387-6474 N C°,