HomeMy WebLinkAbout08-3574D
HAYT, HAYT & LANDAU
BY: ARTHUR LASHIN, ESQUIRE
IDENTIFICATION NO. 23425
SIXTH FLOOR
400 MARKET STREET
PHILADELPHIA, PA 19106-2509
(215) 928-1400
ATTORNEY FOR PLAINTIFF
MIDLAND CREDIT MANAGEMENT, INC.
SERVICER FOR MRC RECEIVABLES CORPORATION
SUCCESSOR IN INTEREST TO FLEET BANK (RI), N.A.
8875 Aero Drive, Suite 200
San Diego, California 92123
VS.
CHRISTIE L. TAYLOR
24 Hollar Avenue, Apt. #3
Shippensburg, Pennsylvania 17257
"NOTICE
CIVIL ACTION
"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 en-
tered against you by the court without further notice for any mon-
ey claimed in the complaint or for any other claim or relief request-
ed by the plaintiff. You may lose money or property or other rights
important to you.
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.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(717) 249-3166
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL . DIVISION
TERM,
No. 6 ?-' 3,57 y GS ?I I f trh
"AVISO
"Le han demandado a usted en la Corte. Si usted quiere
defenderse de estas dempdas expuestas en las p'aginas siguientes,
usted tiene veinte (20) dias, de plaza a) partir de la fecha de la
demanda y la notificacion. Hace falta asentar una comparencia
escrita o en persona o con un abogado y entregar a la Corte en
forma escrita sus defensas o sus obleciones a las demandas en
contra de su persona. Sea avisado que si usted no se defiende, la
Corte tomarS medidas y puede continuar la lemanda en contra
suya'sin previo aviso o notificaciSn. Ademas, la Corte puede
decidir a favor del demandante y requiere que usted cumpla con
todas las provisiones de esta demanda. Usted puede Perder dinero
o sus prooiedades u otros derechos importantes Para usted.
"LLEVE ESTA DEMANDA A UN ABOGADO
INMEDIATAMENTE. Sl NO TIENE ABOGADO O SI NO
TIENE EL DINERO SUFICIENTE DE PAG!0,R TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA
OFICINA CUYA DIRECCIeN SE ENCUENTRA ESCRITA
ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
CIVIL ACTION
1. Plaintiff, Midland Credit Management, Inc., servicer for MRC Receivables
Corporation, successor in interest to Defendant's Fleet Bank (RI), N.A. account, is a
corporation duly organized and existing under the laws of the State of Kansas with offices
located at 8875 Aero Drive, Suite 200, San Diego, California 92123.
2. The Defendant(s) Christie L. Taylor is/are individual(s) residing at address(es)
contained in caption of this case.
3. On or about November 18, 1999, Defendant(s) did open a Fleet Bank (RI), N.A.
credit card account and thereafter did receive a Master card, account number 5447-1951-
6691-9645. A copy of the account agreement/application is attached hereto, made a part
hereof and marked Exhibit "A".
4. Defendant(s) subsequently utilized the aforesaid account to make various purchases
and/or receive cash advances thereby incurring payment obligations to Plaintiffs
predecessor in interest under the terms of the Agreement.
5. Defendant(s) defaulted upon the Agreement by failing to adhere to the repayment
schedule contained therein and in accordance therewith the entire remaining balance
became due and payable immediately.
6. The Agreement requires the Defendant(s) to pay reasonable attorneys fees and court
costs if the account is referred to an attorney who is not a salaried employee of Plaintiff.
7. It's predecessor in interest set over unto Plaintiff all of its right, title and interest in
and to its account with Defendant(s) so that Plaintiff is now the owner of said account.
8. As a consequence of the foregoing there is presently due and owing to Plaintiff by
Defendant(s) the following sum(s):
Unpaid balance: $14,673.03
Interest: .00
Attorney fees: 2.934.61
Total due: $17,607.64
9. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to
pay the aforesaid sum.
WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in
favor of Plaintiff in the amount of $17,607.64 together with interest and C}s .s.
HAYT, HAYT &
By:
Arthur Lashin, tsquh
Attorney for Plaintiff
the error by then. W" 90 dkys, we must eftW correct the error or explain
v ft we believe the bif was correct. A-5369
Ater we raaaMe Yaw, letter, we cannot try to collect any arnount your
9UMUoe, or report You as dek queM We an continue to bill you fix the
a?uf YOU. q WW6 Incluft Mande dwvem and we an apply any [ ^*
tlrlpeW artqu t against you crock Ondt, You do not have to pay any
;questioned amour while we are invi tipalinp, but you are still oWipated to
pay pats of your bill tint am not In question.
If we Md riot we Mack a on your bill, you will not have to apy any Cardholder A raiment
doW rebW to any questlorrd anowL If we dtent mane a g?ilt1?1?
misbekk you may have to pay bum dwgu and You WE have to make Up
mused k
;-'r Pagnrur an tin questlanaf ieount, In ~ caw we wfit4gd
you a Platecwrit of the arreuht you owe ad the date tint k h d" ` II
If You Nil b pay the uncut time we otrek you owe
we way report you as L facial In this Apraanae, W ar -me mama 4Mholdap 'W.
'US' of W WMW MW Banat
C
,
MOO lafi 4 Two mem tftftr
wd or 'Avaount'
ddngML Hownw, IF one aplirwlbrr does not katley you and you vans to rrhearn MaearpM o f V611 ihxaaiG
us WMW ten days bAv us that you all rase to pay, we name tell anyone
. hm report You In OW You have a gtrerU , about mw bill. And, we must td L AgrumO nt to Term In poowdim with your request we have
OPened an Aaeount for
ow Y
d
h
you fins nano of wyone we ed you to, n We whme a en It } y k ma we report
you to that the nuelar has been y
our
p o
n on. ttn appkxvarL your
retention of the OK WWW Your use of the Aou?ouht In wry way
if we dent ft lbw Unse riles, via cant o0s the *at $sex0 of the
quelthroad vncc n t( even IF your bill was correct. you agree to theta . of this
the• Card Irself. This Aprearwnt Apreanerrt and the prviWons of
governs Year Awoure card use of the
i S7lCIAL RULE Dolt CREDIT CARD PtJRCMASt:S
' If you hwi a problem with Ux'gLM*f Of WO" Or servkes that you C11111 we hive issued to
you, YOU raw SIP the. ba* of the Card
I
a yvi use in We trill pay. member nheMwms for gaol and
ptadwed with a weft cad, and You have bbd In good faith to cornea m
t
problem with the merchant you may hive the right not to pay the renatlh M ONV
?
tams You obtain by in use of this t Ahe Card and r tin i barns to you on
au au
ihad
labor k s gremh
0~
You u
w to rowel •h
anoart drew on dal property or services. There are certain knitations on this
kvk dM my o
6 d
Your Aca
urc
for
for achy o
advachopd fray . thlM ail pansuditsas o on Your nYour an Behar This bsiU x uff amounts.
deS, wksaut
(a) You must have made the pundwse in your hanax' or
IF not vvlthm your home state, within 100 rrYlesdour kritation, &I
amoh+his are advance an yecr belnf at a feaik of use or
any Cord relited iervicas Offered by MlasmrCord ItttsmttlOriil or VISA
US
'
-
ApPI Inc.
_
A SLOW rnalknp address and
x?.. PW r' a trice must have been more Y ;,• + • yoya? Rhode IalaMf later' ? p? ; ^ MA
l i d l
dt'a
V w
l
h
u
=
%
,4
pp
y
e own or operate t
e
W
s
!_
far ft property or;ervke; of f4diM4". M*
j
d Y!,
ti
s c Caj
p fd .Mara YOU aproe UwgC i1:tn4t rmdir ymh ,? .s
A
5
C3ru tt
OW be ased do?y•.fw ps(li faro howahold:and/Ora
t?
o-+: ' +. ' • .
,
,
. ?
d>pek+bleow nat far any -arm,
arrsrdilpufphpee„ _
.. tMO.!?+^r Wes' will sane a ??•• {{ jil,
You irprMllly ?M•?°rr h+ IMa[-.
yy?
the
no d marably belt qOb
1, -
bd
E:
a
Cash A
Uvan
.. laatM*
.. Otf6'do ft dote will be Atom on this err ypir will
' off us the flail Men os owed by the Payment cow date shorrri oi•yohs
rgbihthly slatshont, or pay in bunfirwrhtr, if you Pay inra boon g, You
pay the n**mn
opPS E.
ta
d
g
L T
l
CmM U Ma Amount
?P? to lippe you a Wilk
Total Credit
tJrthR, Mhirh 8 refNcpd an ths'taM uarriar aooOmpsrrylrq
your Cord, and No on Yom nwno* --- - e . You agree oft we
• nay dwnge Usk &a at any bnw,.ard vve will notfy you of any such
drasge that is not temporary. You agree am to par yar wcp@W
twfanoe to axaeed Your Total Craft UML. You a ikesbarhd that if you
request in advance or dhepe apskhrt your AOOasrt widdn a coved this
ilotit, we may dw p an char Ink dwres as dikcibed In Psmaprspim
IL We may, however, at our optbr4 greet wry such advanhce or
chwA ed If we do, Port Was to pay any amount in emu of Your
Total Cdedk Lk* Inaieft* without rwtka or dkewrd from res. You
also under nd
Wr that the Cosh AAvanoi Craft Lkek mAeited
Orrier
in Parvig;raph of this Agreerneht Is a portion of yar Tobd Crack UML 12
7. Payments You promise to pay all accounts dui on your AcmurL rr
your Ac-unt is a At acuau14 You WW Your Joint Mount holder each
Prrergse to Pay and are A* and M&AdwEy responsible Ibr ail
aunts due an the Account. We my who hous addElotwl Cards to
vdW Persons You author k to use you Aaburht If you sit us to do so.
However, you and any At socount holder are responefta for ail
charges made by wry Person(s) atrtlortwd to we your Acooum You
P
allmR Ave
A-5369
understand and agree that arrangements made- among C rdfhoWoM
co
urt Ord- and other everts do not alter or Affect your *ora
$Orty
to MOM Wymerts to ua You underst
d
h and credit hmsain4a or debt
wbhact „y +PPfcabie
Parrs Of ?Ae am
t
ann
t
at you nag gaily all or
Put of the balance on your Accmmt at any ttne: You how-aany aef
his give ha•t
b
alarnca
Then vfe add
Td
of
the
ll
b
l
,
Pay an amattlt not ksa than the minlmuni payment due for each
month yank have an outata?g bdance
&
you must or fttram
a
y
a
ances
q* and
the b l
p Q
ctaf
the Maribor of qdL This by
us the
a
,
pay us
11* and
we must nceNe this payment and remittance studs on or boron the
Payment due date, in accordance with statement M
x m
Average poly BdM of
(2) The Average Dally Balance of Cash Adaanoss and Dnfb
u
rucdons, in order
for Your ACCOant to be Credited by the due data Payments wM
ca dnue to be credited W your-Atco
nt
i
di .
We fgun a portlon of the nMANG1 0MUtqg
Advances w d Dry on the for lash
Isymp MW VIW of
red
y
as
n
cted in the Agreement,
, a You Pay by check, the amount of your Payment may not be
PWkd to your awfable aedlt 'Me for such
Pedod of time at w
e
CNA Advarhoes and Drafts. To
M
the bepkrrfrq 6alanoe of lash Adwarwas cod ra tabu
and Drafts an
.
e
reasonably determift Is necessary to ensure that Your chak is
h y- Account for each day of 90
rag ?. add any
new C
h
On-'d• M paymtois shell be made:in ML dofais by a duck dawn
on "I money order lasted by a U.S. flrandat Institution
nomt
u as
Adsa m and
Drift and applabb unpaid
PSNAKCII C HAROR, and subbed.
any
or 'I,
p
Fannon
f
.
q
s as
O BM must not sand ash. You agree to pay for 'any daryes
reign naartricy, wht h wif be converted to U
S
ddb s
a
d*
Payments and aat0 This SIM
O
bolmm
Than we add up ai ft daily bar' m for do
d
.
.
rs
on a dace tlat
subject to an r? bg laber•tMn the transaction date end may be
rd-e co-
ft
th an
dl" the total by the ntarrber of deys in tin
Ode. This Ohm US the Average Daily Balance or (as
w
n
e in accordance*"
er In
whkb asppltad two Your weindebWdn= to us atntft ultra the WW Payment will be h
AdwneaandDraft
(b)
MulWft Mr r Average Balanoea by to appiQibis cagy
S. Mitdrnum PaYmant Your Mntr?tan Payrh?en4 due ?Y dam made.
by tin n he date shown
On MK
fildir
ztstemen? be- eltlhv $ilo or an amduilt d
b a
Periodic Rala(s}
ftt
the
identified in Subparagraph (b) sbow by
th
e
ernhtad
In the rom +naruner set
whichever is t nwar, hrhless the Now
Balance, shown on your statement is fees than s3o
?n which case th MMbe
vp
e ntsttber ddspIn n fithn trfinp r,Yas
(d) Adding the Products tdrrrrflad n afteragreft) abaft to
M
L
,
T
e
V at your pehladk M wCE mAx4
NOW Saat enice Is c1twin fur: (e) AcIft any fiea raft, to n the
Poregrsph tkWd.'Oaar Fees•
l?,' 7Jtbe the New Balsrnca as tthown on yogr statargenfr + A'O. Mnst FOreaAt
a Rat
"W* this arrohabyarr nd41,4'r'
`.. (? Add beds any labs and R„p,?y.°y? rerf?"
'
.
`
?
'
.rr
`^%"`
!i?F
' • t
th M
a
(a) You soft that for
q banana D*N
r
Writ*
" flpathg the t"AW
^:
?
•
:
}
t
•
.1. st . ,Ay .
ag
e aeafast doiltf. F f..;
-?WM"
E tla stavt ! traYment
BIOS* INinlo
; w9M Mart rs'!^
P ??.
lb
9
' ..
: that- d
:
. AMM ALU ?? ? •
l
rarh
ayrrneht Cat WOW MM your k A "
10'eneeidfPl/ whw•r ,
ealahq wfl cahd at Ysur
aoat+4eooR, prior rrrtrhWy;+ rxatoha'? at?nfli
: •
i 7.
,
W
a
of your RA ca WlE l b tic... tbe'
billing M:
alRya cent thGldaa OctubPr L tlel
b
,
a
a?
paraneago toed k 1loaparay' ph (bl aboid la-Way 1 ptrhet •
( 'Ahoane ts. up to the percentage nsoeesarr4-sd
tjtp'r
ota
li 4br
. a
sence Of d art lltrednhmory nay y,s„r OW<Pa1ladlc.gAps afar:
Purchases on 31, 190 ward haft :bea
n
(16
99!6 A
?
y
;
rw
.: Bnkhh,vA be Ies than tin maw Sam ndbdxd drvyohr most
YtR•le<rllrt V .
. «
.
tWfUAL PERC@RAQE -under.
rate plan duabW in ?? "77'?r?el
aotpWggWh
:
•
9, Acmt Cfstya You agree to pay the f1NAliCE CatARR6E on your (b) You agree Cat for Pu
dt which Pat or
ion
any bring w h dodos on or after October L 2999, for
(a) NO Plffk4C t NAMf3r CHARGE Is Imposed on Pudases which
*St aPPM on your QMK billing txatenent *M the Pr
l
Purd N gcbmint Mor ?Ltlbrdft On Or " October Blear the fist day of yew
O
r 199
de
R
h
RAP
ef
Dh6
BWM shown an that txatwat is ago (or a atilt balance or
wlaa fNymenf and aerxt shown egtrat or cow
h
P u
a
(and -responding
A
la ftMkV InS FMANC ANNNWL will be Tlo RATE) used
be
vautable nabs. Such
t
e
nvbt;
, no any
tr+r?md to Yes ? Rate 90 be 1/365 of the
higher
of either
(1) 16
9916
(s}
Account IF ea01? from
(b) Cltlta **- a Pabdk FINANCE OWUM It .
ANNUAL
irl !RATE
(which
& t R
ats d d.04
unmeaporhds to a Dally Par
, or
(2)
Mctrsive Of bnhnca tenders} Cash Adwo and Draf km
the titer Of the Varvactton teats, uncir pWnw t in full is re
i
h "
he
Nadi
l 0%Ifend PM ""°' unor Condon
( Ached In n n* mw
e
c
,
We figure your FMANCE C I ABLE by. .9rret Jbrrraycn as dotes Indicated In ft last Paragraph u
a) Rust delaadrig ft Average Dally Balances in you Amount
These Avenge D* wenm are. .
Of ft
34
(c) You agree that al Casth Advances, the Daly Pella* Rats
(1) The Awagt Dally Beane of Pudases. We flaw a
FMANCE CHARGE for Ardases on fine 'avera
e d
il (and Carreipondtlg ANNGAL PERCENTR= RATO used In 11
fgurng the FINANCE OUMM MoL Such
D
il
P
g
a
y
balance of Purclum To yet tlrt batanoe of Pud a
y
afodk Rats do be 1/365" of hVw of color
attes on
your Account k r each day d the berg q ck6 add any now
Purchases; aPPIc+ble unpaid FINANCE .CHARM, and tat4 (1) 191% AfNNUA. PERCENTAGE RATE
(
=MWOndt to a OW Periodic Rabe d .0542596), or which
(2) a 1450% s
d
b
oferbuk retuned drag, returned dnedt, stopped dr^ prea
a
ove LIBOR ac p+bfdad in M WAF
Strom JfN,rearoo the dates thdlutad in the last parapmph
Of ulna Paragraph 10. The Deily Pt %* Rate her Olsh
Adv+noes an Notch 31, 1999 is .05425% (tw%
ANNUAL PERCENTAGE RATE).
(d) Notwktwlanding subparagraphs (a} (b), and (c) above, you
ague that If YOU fail tO meat any nM ijer t req h"Wt of fhb
Agrearatgq Inhckrdbp'by not' linked to any n .Wroot
b
P&ayraph 7 and 1 of ft Ap aern. 1, we may
?
CmVVM4 the
wr/
PNMUMK or D raft) a°?s,bfe(bd to -kN And
b*n= O( Phrdhow and Cub .Advances to a vahteblerate
` equal to 1/365" of the hiplar of dther:
(!) 2i.n% ANNUAL I MMI i IAM MA-M (which.
x7ni too Lilly Pedodk Rohe Of A6,%), ,,
a
? above UBOR as phrbldad tin 71fe 1
of tio.PWaW" Ig. lrhditatxcl in to last paragraph
Your Acoout may pn be for the stie(s) trot would
Oda
AgramaaAirgitt,? r el?bie Irthe ateWwabed obedo[ you this Subpe, Nfrmph for
(d) ware in diftmdrrltra. H the rate des In
IM, jw D* Pbbdid: Rate for PUrdheen anACCDW* on March
d tRM t'
Advarm
(e) would be .MM% (21.RM ANNUAL PMCNTAGN RAT!),
audnpa figreplhe (a), (bJ (c), and (dQabm% aeon
ati' ClNUm of your Aapny by you or uh% we meY kmadbtsly
CO"Mt do or cow raga) applicable ? ?ry?
W"Od?w
b3G5" and Cash Advances to ¦ variable rate equal Of the higrofether
(1) 24.9% ..
Porlaft At•LTgMt, PWC&TIAGE RATE (A6822% Daly
r %
(2? a 19-212!% spreod. h:
saeerlre,,.ryys N..r.?._'q p!! m 7 H,1i/
f•"•
A= 421b'rris?.„est..'
YOU! ?tgmihlt kr'dr
d
es#bedaboM the=
dn*W in d* s*
d Account i,ad1 (a) . . ° Is y all
b h+L We ate undw no •ho um mo1w.
Account ace it lac beai oioaed ?' ''=
Irhder the varlebie tee plan damAW in shparapW,
: r
(d) and (e) stave, LIBOR IS Purblli}hed In 77rs wwjMW(lr4 (C),
Oft the used to d wrj dleternrhtrhe t yordl, 3uM September and December
will be used to the races Fw Wing cvdss dastnhp an or
after the Crust dater O(Ap k fit: October and ]cuing,
Under wdf
der such wM* hate Plans. the dHy Pr tick Rate (and
R,as&*M ad dam rrveaae If
? rhaaaaes rid an IrICIUM In the .Pm Rob may
OWN AN OR Yw ? QIAttGE an
the
*W a an'" Then IS a nintan FVMCE CHARGE
or far any baing cycle rte which the FMANCE CHARGE
OtKrwMe due On Plahfreees world be kna than ¢D.M
.
COM Advanow The total awaut Of tlsh Advarpes,
tf avaBabfe, wllldravveb ran ATMy agb'ftw from the Cart be f,
O*YY wd-* Ord by not tirhiled to wAre transfers,
aY One Is shown on Your Ckd Carrier and nW d* SMtffrdM and
fe'deognalaCl at Mw 10011 Advance Oga LknL- You agree not OD
r fi
Curm* t Your -Wid OM A kwm bdhhnoe to exceed this amt. If you
Ca oMmm no you d Lis aid. Mu cull not be eUpk
below this YrrrIL At that &% you MY acceCash
ss the ante hagan ehe
dlfe ence between Yom' unpaid Cub Advance balance and you
Cahb Advance Credit Lint. You agree that we may daoge your.
Omh A C" urr* at any tuna, and we will notgy you of
11. We of Drafts Wes may Josue hafts for we wkh VOW Acoohet end
any an Must •the ansount Of each Draft We PIY Will be VOW Account as a CNIA Advances, Each Draft an be for $14o or
mono and b the faun we said to You. MOM It no carp far thi
wed b NPPWV YOU the Dnfbh;, but you" to pay ft teas Farn? " 14, bebK
ardDaft= be und only sardr nr+y as ?
n WJbr Pasaah cIm&ry ?Y,o,?u my we the Drdb gaged ft MY you
Let NgWw l rant r "?'•?•` •y YOU orerot use a Daft or m
Pay ry Ormint owed UMer ft ApreenNnt or uthdar
except that you w nnOOt write Dmk and we do at too to pay.
(a) If, Paymrt of the Dolt VOW autgwdft
(b) 16M am in?ddSurlt? t?thyk Apa rer ? Cash
(c) If yaw rtpht to abbe Drape b cer=w Or eueWrdI&
Draft dhddrs which you we and we pay are not tahnW to you loot
Im wO&OW eiibuh a n W wwt* MV dam V we ab not pay
Pay a charge Of SN far each wdr we curt aaeas and you ague !O
and pa" of at? yaw rieie?fee Of•#29 for NO Draft on wfYyh we Xtop
K DOW pew YOu WmAnWW tbrt rte, tom the,
mlert tine A E 1?. f t to disc" and
bnW to egch omN
trey '
but not tluh Attifaada
gdrnhRP+.tGUe .- •
Cteh Advancer dXptoad ifeouph al final
ht!W Hhr iyOe e
t
Will amiss and You ow" m PAY a Cab Amran a he 4'gaal ?' aVa.
7!? Aft wn mt or on adwom but net ba theq $5A loo 4!6 at
Aauarah?, rdrethrbaaf?ip An wi be Clamed !p yaw
36. LOW. Onrfn k and Rsbpm d .ppdt
01° ?a ruder Paragraph !B below, .yoU haht?ratarhd ? hahto
tre right M diwye and doNem the fOlowiha ?aPpyp
Lab Chum You'am ft a Ift of $29 j
Pwill be
eyabkk Ind added la On balance anchaWyaw A,= ft IF y due and
make a payhrant On your AoOOunt equal to or YOU do rqt Owmihnit g1saw Mkirhsan PIV aaht an or bebne ft Psynanht due d ft
OWW upon derhnardOr u?o ? that fm P'Ykg
aey a
of $3 Will be due and NOW and added to the b ga
Account durbg any bftV Clock edtUML in W" You eecaad y,, T W
a
coin Co OwIm you agrx W pay $a for each dads draft
Wlanaht at Yahr Account waft the to Cleo and
b your Amu it
each t m a payn wX dock erdrdraRPOS
you t thk bbouCIVIN it &dwwe
check or drall; and even if rardn IF paid 4upO t'
17. Ro
n" dnrpoa If You request copin of nanttdy htatenrhent
DA cheft
Charge You a ren&ch Charge rdeton to you with we o,
'"I- "" not Charge in won win ft testa crane.
upon a b&V error llftowdwW Y Yoe dimrie em d based
and You fo the ?g rights sector of this Apreeme ft t ceduabt db° in the
pR uArr
Lt. Defateit You win b i
e n default B you fag to make
due, any payment when
exiled Your credit In* under any account, e1le, fin m other-he
become subject to any banknupky or ktmlvb odlnps, or do
not con" frith any of the b law governing any y amount you default, we mays at our ount with us, It
under BaY Or all sccoOnts to knnediattt •due a L owe
Abo,
ests may revoke the pMegas attachkg to any or all Card(s), ,Al
t
u
Cash Advencls, Card() and terminate this Agreement ar to future Purchasn and
r Subject to appkabie provbfons of law and unless you
reside In Wisconsin, you agree to pay the r"sonabig Wo fbf.
(rhdudNhp reasonable Attorneys,
Costa. fee chid sect
ff OUR extended under tub Agreement Is used for other than
aM carnetW71111yr household or charitable Purposet, am amourrti oMog
P
sham be
revoked and ly dua.and payable. Abe, yerx Card sham be this Apreanent sham be tarmkhated as provided In this
131. kn0e
hr ftyments you a- that we may accept partial payments
of aniohis due or late payments without loskhg any of our dohs
Undar m.
annoy this Apreerruerhk Your also I" that we may seem* chary
orders urn *Ad 'payment in W or bearfap any other
restrictive
10314 MAY Of
Our rip?hts unxdur tthb Agnwnant any such a ondRlons or
28. Insurance If you become kmaod under a credit insurance plan
rdtch we make "gable, a CetMkltr Of Inserana will be issued to
y"L You agree that Your Account may be charged the Applicable
and* PrOU140 . The charge WE be mtnputed on the Neyr Bab=
and 41, as a Purchase on your statement each uahhtlh.
cyde% your a whyneent on an ACCSent fm 2 or nrnro consewtlvl bba"
of ( mef!"be?hnoemed. You understand that the
??`?? vol YPs understand
• F• teat and is nok,regL
IL a"* of
?, .• _ W16 outstanding on yo* " 4rfd
4pplb
que
upon is n ?
caa of rihone its due' We refuN
:bafafh
n i?1 am outstandnp on
? NnNjhL- ro4gy if er'tstandin9 tip ?rnae?
22. 0ifptraes- our- ;?_ .f
ihelnp•oarriad*.u'nlessiyrou accwt wrth. o r ,Ml cad
"` you
wftua the tk" • ' y hk M
arrors a?e set for hw. Your ri" to dispute baling
dispute, y ushderstluhd that Even though an amount h M
you P? Pas the rato mkputed
PBYment that b due less U
arrout Portion Attributable to the disputed
719. flellure to Nerar Crud we are not responsible B anyone refuses to
honor the C&hL If theme is a pro
8 blem withthemrfercharhdActbe,oorpayservicthe:es
?kkd With the Cara, you mayhave pht
mated below, We -9 haftft ve An ehtpianaton of your rights b
services P e'dmeed WO the Card unleec mpormilift Fr mercheadke or required e
24-Change IN t@rhps We have the right to chargyany of the terrns of
this A9reanet at any time. You win be given notice of a change as
M Weed by apDNcable law. Any done in terms governs your
A
Our coount as Of tea effecdve date, and wN! as POnr tMd by low and at
to Pta4 apply both to tratrsacftU made on or after such date and
any Outstanding Account balance,
1L Reaewiry ROVOcetlon and Tenaination Cards are issued With an
exp
"pond katiM date. We have the right, without prior choice, a dose or
ressm' Yh ? orb decline to renew Your Card, for any
economically or othmrrise 9 your Account in a manner not
to dose Your Account N you inoi able to us we Also reserve the right
rberr Card Is suspended You more from ow service area. Even though
and our Aphis tthis q terminated, You agree that your obligations
gmement will remain In effect until as
balances on your Account incurred before or alter suspension or
temhbnton are pad in Ail
2L "Cur'ty AN credR todehded to you under this Agreement gun be
unsecured
27. Tr
ansfer At RI(flhta We may ftns r Your Anx^ all many Dart of
Your
uu'Srperr wwr a? mar our rights unbar Oft Agreement to
*ft under this eaft at any lima W Nnut Prior roam to yew. Your
p?hawise, •bA obligations Shelf be bnding by Operation of law
tikhdtnp UPd? yes estate or
28. NOOM XOdM usto shah be effective when received by us at the
malled to you y r receipt of PaYrnents on any bffft sgtement
MANGO, shat! be domed give 60 days. mailed to Notcu to you, if
given on the appNatim or AutbArk@tbn jurre for Na a,,aadt n
aid
ll be*ghiae to us at Witt 10 d&p Prior to the you bare given us by noticm. NoWa Of mute of address
29. Url"MOffistd Use- Notice to Us Though Change.
for the UNIKAborlOW used YOU ?Y not NaWe
us of the Mss, !nett or possft ? you du ?°do' skis
known to you In order to In* ances t pole use as soon as k is ntial teMPhOne Us at 1(800) 492-3508 to bas, you edN
30. Credit Reporting, •Infonnotoa report Any MI n an You sec hurl .
and/or adws acting authorLU us
bureaus in connection with year Accot to obtain aDOrb tram credit
of credit, tavlersanq copKton of khdudlng for witanslone
annur" You and
You You also agree that "a MAY fuffft b?p? your
atr and Your Aecm" to auk bumua and others who
DarmRted by low to.keodve It. Notar if you bemevs taut "
to a 0** bureau about your account is
~OEM F IIn.wrliming 985o•5595.IiCrtCustomer
dbmals n= y &*,;:
y; ?tq a ;number
the cadir
CrXi r
for ve 40='N
vanders.
3i ?aUaif our rlDht an ow
your e, ff any Provbloshee ? to NmR
.Af Agreement is:* not make ants Othu Provision
This T-'r•o -JuAW TM NOTME FOR FUTURM USE
° Wn WN About Your Me and our
?aPo?as cedar dM F& C MdIt Mft ACL
NO PY Ca M CAN OP OWAR OR QVMDNS AWW YOM DILL
r your aft your M h wrong, or N' YOU naed move bhfanneton about a
barsact N on your K wdfe es an a separate chant ant
Past Book M OP ft Mile ICatonal Appcariorh
tNrlh WW y DE IIIS 4486
days to us after tie 06 am IS sent PoNN& We Must hear from YOU fro 6W than 60
ftlephooa tk but doing you tut Ost bill! on waft the arm or problem appeared.
You an
In Your Idbs she FONON Ina Vow rigltu
• Yo rapine areal &cca tt ntanbw
• The d68ar amount of the suspected error
• DesCrihe the error mid eetphi% if YOU an, wiry You bQeve tune
is an 0W01 , it you now AVM kutonrwdx, descrU the ham you
U
Savings Or YOU have hhWihorlard tour pay your Craft card by frarh your
think Is v ong. 9 aO opK, a you can stop the payment an any a amm you
bu si nets da bdbM your lefter n at teach us tree
YOUR RIGHTS AND OUR RISPONSM AFITft Yy! RECIM
YOM WRIrTNN NOTICE
We must adcuowledge your letter vddrh 30 days, union we have Corroded
EMIR we*
STATE OF CALIFORNIA
SS
COUNTY OF SAN DIEGO
AFFIDAVIT
offQVJJ14? , being duly sworn according to law,
deposes and says that he/she is a Program Manager for Midland
Credit Management, Inc., servicer for MRC Receivables Corporation
successor in interest to Fleet Bank (RI), N.A., and that he/she is
duly authorized to take this Affidavit on behalf of Midland Credit
Management, Inc., and that the facts contained in the attached
pleading are true and correct to the best of his/her information,
knowledge and belief.
-4v
Subscribed and Sworn to (or affirmed) before
me, on this a201" day of Ma , 200r
by Nt CUI e V& n (** &-? ca -r personally
known to me or proved to me on the basis of
satisfactory evidence to be the person () who
appeared before me.
SYLVIA ENCINAS
Commission # 1787212
•d Notary Public - California €
San Diego County
Nota7 Public
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-03574 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MIDLAND CREDIT MANAGEMENT INC
VS
TAYLOR CHRISTIE L
WILLIAM CLINE
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
TAYLOR CHRISTIE L the
DEFENDANT
, at 0019:15 HOURS, on the 17th day of June , 2008
at 24 HOLLAR AVENUE APT 43
SHIPPENSBURG, PA 17257 by handing to
CHRISTIE TAYLOR DEFENDANT
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
Service
Affidavit
Surcharge
Postage
18.00
20.00
.00
10.00
42
48.42
Sworn and Subscibed to
before me this
day
So Answers:
R. homas Kline
06/18/2008
HAYT, HAYT, LANDAU
By.
Deputy Sheriff
of A. D.
Oft, Q/'V44
HAYT, HA-Y7 & LANDAU
BY: ARTHUR LASHIN, ESQUIRE
IDENTIFICATION NO. 23425
SIXTH FLOOR
400 MARKET STREET
PHILADELPHIA, PA 19106-2509
(215) 928-1400
ATTORNEY FOR PLAINTIFF
MIDLAND CREDIT MANAGEMENT, INC. SERVICER
FOR MRC RECEIVABLES CORPORATION SUCCESSOR
IN INTEREST TO FLEET BANK (RI), N.A.
VS.
CHRISTIE L. TAYLOR
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM,
No. 08-3574 Civil Term
PRAECIPE TO DISCONTINUE WITHOUT'PREJUDICE
TO THE PROTHONTARY:
Kindly discontinue the above captioned matter without prejudice.
HAYT, HAYT & LANDAU
Bv: r
Attorney for Plaintiff
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