HomeMy WebLinkAbout08-4341IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA Plaintiff No:
VS.
MICHAEL G BABAIAN
Defendant
COMPLAINT IN CIVIL ACTION
FILED ON,')EHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06712255 C N Pit BLK
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
vs.
MICHAEL G BABAIAN
Defendant
Civil Action No 6 ?r-g3gj co', i-A
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and r:Dtice are served, by entering
a written appearance personally or by an a?.torney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED F?2 OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STR,ET
CARLISLE, PA 17013
(717) 249-3160
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK (USA), N4 is a corporation with
offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 .
2. Defendant is adult individual(s) residing at the address listed
below:
MICHAEL G BABAIAN
1024 W FOXCROFT DR
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX6416 .
4. Defendant made use of said credit card and has a current balance
due of $1083.00 , as of June 06, 2008 .
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6. Plaintiff is entitled to the addition of interest at the rate of
29.2001 per annum on the unpaid balance from June 06, 2008 . A copy of
Plaintiff's STATEMENT is attached hereto, marked as Exhibit I'll, and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , MICHAEL G BABAIAN , INDIVIDUALLY , in the amount
of $1083.00 with continuing interest thereon at the rate of 29.200%
per annum from June 06, 2008 plus costs.
?..?-? -
James Cf)Warmbrodt,42524
WELTM EINBERG & REIS CO., L.P.A.
436 Se e h Avenue, Suite 1400
Pitts ur PA 15219
(412) 43 -7955
FAX: 41 -338-7130
067 2 5 C N Pit BLK
This law firm is a debt collector atte ing to collect this debt for
our client and any information obtaine will be used for that purpose.
C-- 1CW NOT PAYING YOUR DEBT 500013
what's in your wallet?* DOESN'T MAKE IT GO AWAY.
In fad, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our f= check by phone service
or speak to an associate by calling 1.800.955.6600.
Make sure you call or pay the amount due on your statement within 30 days to keep your account from being charged off.
m 2006 Capital One Services, Inc. Capital One is a federally r siaered service mark. Ad rikha reserved 500013-08503
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date
$699.63 - $0.00 + $17.61 + $29.00 = $746.24 $446.24 Sr. 03, 2007
Jan. 04, 2007 -
Feb. 03, 2007 ?y
Page 1 of 1
REASE PAY AT 11W MS Auocwr
Account
Via Platinum Ace Your account is six payments behind. If we charge off your account due to late payments, we will report the
charged-off status to several national credit bureaus, and the Purchase APR as reflected on this statement will
be applied to all your outstanding balances. Act now to prevent this from happening. Please pay the amount due
Your Account Information on your statement or give us a call at 1.000.955.6600. We'll work with you so you can take Control Of your
account and start rebuilding your credit with Capital One.
TOTAL CREDIT LINE $300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $300.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important information)
Balance rate Periodic Corm oonding FRANCE
applied to rate APR CHARGE
Purchases $709.03 0.08011% P 29.24% $17.61
Cash $0.00 0.08011% P 29.24% $0.00
ANNUAL PERCENTAGE RATE app0ad this period: 2924%
-Important Notice- Under the terms we previously disclosed to you, your account is now eiigible fa an increase
in Annual Percentage Bates (APRs) effective immediately. However, Capital One has elected not to raise your
APRs at Ihis time. Please be advised that'd you fail to keep your account in good standirg, Capital One reserves
the right to raise your APRs in the fWUre.
Payments, Credits & Adlustments
Transactions
1 03 FEB PAST DUE FEE $29.00
® You were assessed a past due fee bemuse your minimum payment was not reeved by the due date. To avoid
At Your Service 1.800803.3837 this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach
To call Customer RelaBons or to report a lost or stolen card:
Capital One.
® Sant Payments to:
Capita One Bade • P.O. Box 70984 • Charlottes, NC 28272-M
e Send Inquiries M: EXHIBIT
Capital One P.O. Box 30285 • Salt Lake City, UT 84130-0285
6056 506 1 7 3 070203 PAGB 1 of 1 01BC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4862362592106416 03 0746240100000446244
cmwal ?I what's in your wallet7'
New Balance Minimum Payment Due Date
$746.24 $446.24 Mar. 03, 2007
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed
Capital One Bank
P.O. Box 70884 Irlrrlllrrrrllrrrrl,ll
Charlotte, NC 26272-0164
1 111111111111 oil
Account Number: 4862-3625-9210-6416
Please print address or phone number changes below using blue or black ink.
Home Phone ABemate Phone
E-mail address Ca?
•9003592405660403= NAIL ID NUMBER
MICHAEL 6 BABAIAN
35 SUSSEX RD
CAMP HILL, PA 37011-6652
rrrll6rrllLrrrrdlredLll,rrllrrrLlnddrrJLlrlrrldr
Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BABAIAN
1. How to Avoid a Fin ance Charlie.
t a. Gnra Periled. You ors haw a mkvimum pace Period of 25
Jaye %* wt finance rJhrge en new Purchases, new
balance trerWers, rauw,pedal Purdtease and new other
charge B you pay yourbial'Naw Balance'. in
and In tinc for 8 eI ortanNotica ce for payments below.
by your rear dabmam
dosing date. There Is to paoa period m ash advances
Aar Apedr berwhes. In addllorL tilers k no grace prod
m Ay trensectsm if you do not pay the total 'New
baLoa.'
b. Accruing Finance Charge. Tracaglm, which are not
auaad to a gram Period Ace sersad finance chap 1)
from the time of the transaction r2) from the data the
transaction b Moessed to your Account or 3) from the raw
Crerlar day of the rArent b%V period. Addkk.*,, V you
rid not paythe'New Balance- from the previous bNkg
period in full, Imsoce charges continue b accrue to your
unpaid batena unit the unpaid totenoe is paid in oil. This
meevw that you may so oho h6ena charges, even e you
pay the Anne New Bourne indicaed on the from of your
statement by the new gatamem daft data, but did not do
se for to Ravi- ncmh Unpaid bona-chortles ere added
to the applicable O%wwd of your Account.
t c. Minhaurn Firm= Chrgs. For each bOV period that your
amout is =MW to a I As doge, A minarern btef
FINANCE CHARGE of So.50 vM be MKesed.
t d. Temparary RWUrton in Fiance Cleage. We reserve the
right to not esew cry or AD finance charges for any given
Wang period.
2. Avsrp. Daily Balance &"ang New Puchaasa).
Fnrea chats is alaawatl by mNpging the daily balance
of each,egmmt of your account (A.g., cash advance,
punchiest, %wall bomb and special purchase) by the
Crmspond,g daily periodic rme(a) that has been
Previou* discoed to You. At the and Of each day during
the billing period, w apply the daily poriodfe raft for each
selynmt W yourrmurd to the daily balance of each
aagmat. Than at the and of 20 b6rtg paned, w add up the
results of than daily calakations to arrive ad your periodic
finance chaw oA Sam seamem. PW
each &DPW" rriw 81 ft WW iO*ma? Cmum hg ti,for
yo r axrnr. Toga fro dally baterre fr each sag mra of
your awwK w take tie bgpimyg balance per each
segnum arw 80 cry newtranadrr laid Any PA.&
finance chaps nlcttabd an the pevirle days boom W
Ina sagment. Wes Yen weber Any paynra or cedes
Posed w of mi dy Mat coo abated b fbat AsW am . That
gives es see aapenb dNy balance fr each sepnero of you
acocunL Howaver, b you paid the Nw Balance shown on
Your Previous statement In full (r If your nw balance was
ono or e redil amounti. new bameadiona, ,hi h post to
your purchase or special purchase segments Am not added
to the daily balances. We COWMb the swrsge daffy
batarre by adding N the daily baferas together rte
dviding to am by the number of the days In thA arrant
billing; cycle. To alwlate your tome finance charge, multiply
your evarage daily behaves by the doily periodic roe .W by
the
daily bola err rlu? to„m4irnu=
frwrioa
en
them may be a verlams between Ws a-1cM. - rho tlo t,
amount o! throe dJAW aaWy acweed.
3. Mnur ParpMags Rao. (APR).
a. The farm •Mraal P.-ts a Rao' may appear
As 'APR' on the from otthr aeemro.
b. If Uo coda P (Ouarhrly lMm). L (Ourtaly LIBOR), C
(Ouareriy CD), rS (Bernhard Prime) Appears on the front
of this atatemrd rand to the Parlock Masi the Periodic
miss and Corresponding ANNUAL PERCENTAGE RATES
may very quarterly andmy, nrws or decisional band on
the stated kedtoes, as found in The Wall Slyest Journal. pion
the maryn wwAously disclosed b you. Thus crnges will
be WacNS on the fine dry of your bl6g period covered by
your parbdie atalamam ending in the months of January,
April, July and October,
c. If do code o (Monthly Rho), F (Monthly LIBOR), or G
Ore" LIBOR) appears on the front Of your stamrerd
new b tte periodic rob(s), tits periodic rates And
cwftprdng ANNUAL PERCENTAGE RATES may vary
monthly and my nvaw or deoraue bard on the sbd d
inclose, as found in The WN Stunt Journal, plus fro
ff"n previously disclosed to you. These chages IN be
affective on f fiW day of your bNbg period men month.
4. A.aaan ant of Lab, Ovwlrnk and Rammed Payment
Fees. Under tba W" of you rWms, agreement, we
reserve the right to wave or not to Sam arty far wllrou
prior no allon to youv#JWvmKft orrytto assns the
am or sAlilerfaa at a Ista tim.
T &Ra Will 1'otrAecu t. If e nombership fee
appease
Your abteatem, you hoe 30 drys from,,
data fhb nbement area mnfad to you to avoid Paying the
fall or to have such pea raked to you it you areal your
account without hating to pay the nernbalshlp fee. To
carved your Account, you must notify us by calkg om
Customer Relations Dapenm rd Aid pay Yom Taw
Sala tee in ful (aaduding the membership fee) pair to
ft and of iM thirty-day period.
6. H You Cbes Maser Aeame. You pan request to dose your
accoum by agrg our Cuerorna Relations Depeeaern- You
must dastmy your credit cordial And accoun access chedr,
areal e1 peautlmrized billing and caner using your eouount
After your retest to close. If you ronRao to framed or do
not anal pmeudodaed bong awwwww us, w viol
.rawer racer of a dtarye ywrarwnrirdc to keep your
account open. Additonaly your srwum will not be dosed
until you pry N amourng you ow us including; cry
transactions you have sudodzed, fin roce dwrga, past due
fees, ovMimk tees, reMled payment lees, man Advarvcs
fees and Any other 1st awned to youraaoum. You ors
responsible for thou amounts whstlur my Appear on you
Ac0wm er the Am you requaw to am iM awoum or they
arc hmrmd subsequent b your request to does the Account-
This my result in d arges Appearing; on youraemuM after you
hew requeshed the Acoom b be dead.
r. uarng Tau AC.rnr. Your tied oraaoum cannot be uasd in
connection with any fbmt gamblaq transactions.
8. Notice Abner Electronic Chock Comi raien
When You K&Ads a check As peym oil, you suit_[- a
eNOr to War icpma8tn from your cock to make a wwtm
etecamic Chid UwWar from your bank account or to process,
the Psyrrat as A cbach trrroacbn. When re use
m
ho ? Imn yov check to male an Naebmb fund
MY be wl/htrrwi kern your bank aearm es
soon As ft same dry w receive your paymart, and you will
not receive Your chank back from your financial b daudrh.
BILLING RIGHTS SUMMARY
(In Case of Enna or Cluesaoa about You, Bill)
If you think your bill Is wrong, or 9 you need mom infmnatlm on
a transaction or bill, arks to bar on a sepsmo sheet As soon As
possible in the address for Impales shown on the from of Bas
"Imam. We mart her from you no Wor pen 88 days alter
w
sent you the ken bN on which the amr or pmblam Appeared. You
can CAN our Customer Raiatiorur lanhber, but doing coo wkl not
preserve your rights. In your Ater, give us fro Wo"V
ImormNm: your remn and account number, to dolr amount
of the suspected a1or. a description of the Aar and an
apienadw. If Potable, of wiry you believe name is ern Amer, r if
you reed more information. a desrtplim at the iom you are
mama abouL You rho not have to pay any Amount in question
while w am nwse8gs6g h, but you are AN OWIBated to Pay the
We, Of your bill that am not in question. Whir w I nangm
your gtestion, w snot report you a da,nquart or take any
action to colecn the amourm you question.
I. Y SWW Rub for Credit Cam Purchases
If you have A Pros- with the grWkY of properly or services that
you Wkdoad with a radio card and you have triad in good iNh
e correct tee problem with the retardant, you may have the right
not to pay the remAlntrg amount due on rice property or w%*=.
You haw tits protection ony'Mhrt to Wkdhna prim stn more
than 550.00 amt the parhas wa mods in your hone sob r
within 100 miles of your mellklg add-. (1f w own r opersta
the mrd=L or If we MOW you the advartasmnt for tits
property r services, an pudwes era awared Mgrdlm of
rout r bc"- of purchase.) PresA remember to sign all
correspondence.
t Dace not BA* b cowu er noncrea card awouts
I foes not apply to bu,Neea ron.croda card socourris,
Capib Ora suppore tnfowstton Privacy probctien: w our
webelb At ydMF.CA men
Capital One Is a fedeely registered service mark of Capital Ona
Finandal Corporation. AN right, served. O 2WB Capital One
TC-M
01SC6056 - e -12121,06
ochreion Of PaymspsyesmYb disiMwaltlbyarakanta AIM quiver dsy wereahe IL Pr'krd (1)you aertl tie
httloln portion ctNa aWbnretaoyou dad In the srilretl hhareDOrhe anrdope rd lh yarpryrnart a rakatrad r arprooesaeg am
M 3 pm. ET (12 tun Pf). Plaer rev A Irrfio (5) tuarer asnlarpaaer d+orr. Peymma eaekid M ur at oath atlhr brallm ern
P atle donctUsfrynotMwardarAaedeYp eohethan.0wit daysw Murder ffaough Sensy, swadbp holden,
Poste do tut e attar, IePAO14L ek. whopreprttg Yaw psymW.
VERIFICATION
CAPITAL ONE BANK (USA), N.A.
vs
BABAIAN, MICHAEL G
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn
falsification to authorities, that he/she is, TRACY TAYLOR, Authorized Agent, of CAPITAL ONE BANK (USA),
N.A., Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief.
TRACY TAYLOR
Notary Public
ARY0NNE MARSON
4862362592106416 `ORG1A
i Gtvl w5 - ?)s, 2011
A049 My
WELTMAN, WEINBERG & REIS CO., L.P.A.
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-04341 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK USA NA
VS
BABAIAN MICHAEL G
STEVE BENDER
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
BARBAIAN MICHAEL G the
DEFENDANT , at 0019:20 HOURS, on the 1st day of August , 2008
at 1024 W FOXCROFT DR
CAMP HILL, PA 17011
AARON BUSH
by handing to
ROOMMATE OF DEFENDANT
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 15.00
Affidavit .00
Surcharge 10.00
.00
S/b S/? 8 ? 4 3 .0 0
Sworn and Subscibed to
before me this day
So Answers:
Thomas Kline
08/04/2008
WELTMAN WEINBERG & EIS
By:
Deputy Sheriff
of A. D.
w
CAPITAL ONE BANK (USA), NA,
Plaintiff
V.
MICHAEL G. BABAIAN
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No. 08-4341 Civil Term
CIVIL ACTION - LAW
DEFENDANT'S ANSWER TO COMPLAINT
Defendant, Michael G. Babaian, respectfully files the following answer to the
Plaintiff's Complaint:
1. Admitted.
2. Admitted.
3. Admitted.
4. Admitted in part; denied in part. It is admitted that the Defendant used the card
to its credit limit of $300; it is denied that the current balance is $1083 as of June 6, 2008.
5. Denied.
6. Denied. The interest rate is excessive, usurious, illegal and unconstitutional
under the state and federal constitutions.
7. Denied.
WHEREFORE, Defendant, Michael G. Babaian, respectfully demands judgment
in his favor and against Plaintiff, Capital One Bank.
BY: G- h ? JC G % w
Michael G. Babaian
DATED: October 3, 2008.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA,
Plaintiff,
VS.
MICHAEL G BABAIAN ,
Defendant.
Case No.: 08-4341-CIVIL TERM
MOTION FOR SUMMARY JUDGMENT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler,Esquire
PA ID# 93598
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15215
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA,
Plaintiff, Case No.: 08-4341-CIVIL TERM
VS. MOTION FOR SUMMARY JUDGMENT
MICHAEL G BABAIAN ,
Defendant.
MOTION FOR SUMMARY JUDGMENT
AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co.,
L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof,
Plaintiff avers as follows:
1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of
$1,083.00 with interest at the interest rate of 29.200% per annum from June 6, 2008, and costs. A true
and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof.
2. Attached to the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of the amount sought. See Exhibit "A".
3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the
Answer is attached hereto as Exhibit "B" and made a part hereof.
4. On or around January 12, 2009, Plaintiff served upon Defendant a set of requests for
admissions and requests for production of documents. A true and correct copy of the same is attached
hereto as Exhibit "C" and made a part hereof.
5. No response to the discovery demands has been received from the Defendant.
6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil
Procedure 4014(b). Thus Defendant has admitted that he has made no payment on the credit card since
August 26, 2006; that he applied for the credit card; that the statements attached to Plaintiffs Discovery
Request correctly identify the payments, charges, and balances on the account; that he has not submitted
any written disputes as to billing inaccuracies; and that $1,083.00 is a correct and accurate balance on the
credit card account.
7. By way of his Answer, the documents attached to this Motion, and the Requests for
Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to
this matter and verified the amount owed.
8. There are no meritorious defenses against this action and Plaintiff is entitled to
summary judgment as a matter of Law against defendant.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary
judgment in favor of Plaintiff and against Defendant for $1,083.00 with interest at the legal
interest rate of 29.200% per annum from June 6, 2008.
Respectfully Submitted:
By:
Benjamin r, squire
PA ID# 935
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15215
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
VS.
MICHAEL G BABAIAN
Defendant
No:
COMPLAINT IN CIVIL ACTION
FILED ON ;)EHP.LF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C, Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Sevenl.h Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06712255 C N Pit BLK
EVE
IN THE COURT OF COMMON PLEAS OF CUMBERU.-N'D COU1,TTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
VS.
MICHAEL G BABAIAN
Defendant
Civil Action No
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED F2E OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STR;5ET
CARLISLE, PA 17013
(717) 249-3.166
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK (USA), Nq is a corporation with
offices at 1500.0 CAPITAL ONE DRIVE RICHMOND , VA 23238 .
2. Defendant is adult individual(s) residing at the address listed
below:
MICHAEL G BABAIAN
1024 W FOXCROFT DR
CAMP HILL, PA 17011
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXXG416 .
4. Defendant made use of said credit card and has a current balance
due of $1083.00 , as of June 06, 2008 .
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6. Plaintiff is entitled to the addition of interest at the rate of
29.200 per annum on the unpaid balance from June 06, 2008 . A copy of
Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , MICHAEL G BABAIAN , INDIVIDUALLY , in the amount
of $1083.00 with continuing interest thereon at the rate of 29.2000
per annum from June 06, 2008 plus costs.
James
436 S
Pitt:
(412)
FAX:
067
,t Warmbrodt,42524
EINBERG & REIS CO., L.P.A.
h Avenue, Suite 1400
F r , PA 15219
3 -7955
-338-7130
5 C N Pit BLK
This law firm is a debt collector atte in.g to collect this debt for
our client and any information obtaine will be used for that purpose.
C--Phwcw NOT PAYING YOUR DEBT 5WO13
I what's in your wallet? DOESN'T MAKE IT GO AWAY.
In fad, even if we report your account as charged off, you'll still be responsible
for paying your debt So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our fr= check by phone service
or speak to an associate by calling 1.800.955.6600.
Make sure you call or pay the amount due on your statement wthin 0 m to keep your account from being charged off.
®1006 Capital One Service. Inc. Capita! One it a fedrnd ly r isuwd suite mark All r%Z& reserved 500013-08503
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Dlat Date
$699.63 - $0.00 + $17.61 + $29.00 = $746.24 $446.24 Mar. 03, 2007
Jan. 04, 2007 - Feb. 03, 2007 Page 1 of 1
plus[ Pm aT ui„ rtes aanad
Visa Platinum Account
4SM-36258210.6416
Your Account Information
TOTAL CREDIT LINE 5300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $300.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important infomotioh)
Balance rate Periodic CWTesdff1g
applied to rate APR CHARG'EE
Purchases $709.03 0.06011% P 29.24% $17.61
Cash $0.00 0.08011% P 2914% $0.00
ANNUAL PERCENTAGE RATE applied tlds period: 2924%
Your account is six paymerds behind. t we charge off ymr account due to bb payments, we wig report the
Charg" status to wmal rational credit bureaus, and the Purchase APR as reflected on this statement will
be applied lo all you otatandkhg balances. Act now to prevent this from happening. Plam pay the amount due
on your statement or give us a call at 1.600.955.11800. Wel work with you so you can take control of your
account and start rebuilding you credit W h Capital One.
"Important Notice" Under the tams we previously disclosed to you, your accords now a" fa an Inonese
in Annual Percentage Rats (APRs) e6ech" insetstay. However, Capital One has pieced not to raise you
APRs at tds Wne. Please be advised hat t you fall to keep your account in good standing, Capital One reserves
the right to raise you APRs in the Mn.
Payments, Credits & Adjustments
Transactions
1 03 FES PAST DUE FEE $29.00
® You were assessed a past due fee because you m mmum payment was not received by the due dab. To avoid
At Your Service 1-8OM3-3637 the fee in the fuhre, we recommend ft you allow at least 7 business drys for you minimum payment to mach
To car Cudonw RaWkm err lorepot a lon err eAm are Capital One.
® Send payments to.
Capeal One Bat • P.O. Box 70884 • Chabtle, NC 26212-0,8/
® SNW inquiries to:
Capital One • P.O. Bat 30285 • SaBlaln City, Ur 811340285
EXHIBU
6056 506 1 7 3 070203 PAG& 1 of 1 OIBC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4862362592106416 03 0746240100000446244
?' I whiles in yourvw8al?'
New Balance Minimum Payment Due Date
C$746.24 $446.24 Mar. 03, 2007
PLEASE PAY AT LEAST
TIOS AMOUNT
Amount Enclosed
Capital One Bank
%:;,"x70114 III11111111111101111
otte, NC 26272-0884
1111.Ill. 1. fur1111.Ill. u611111a6pill llrrlrrlIoilrrrll
Account Number: 4862-3625-9210-6416
Please print address or phone number changes below using blue or black ink
Address
Home Phone Awemate Phone
E-maaad*ess Q
•900359240566046311 MAIL I) NUMBER
MICHAEL 6 BABAIAN
35 SUSSEX R1
CAMP HILL, PA 37011-6652
mI{Inr{I;lerlu{lu.ll.I{err{lu1{11u1{1{n11I11.1u I1{1{
Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BABAIAN
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VERIFICATION
CAPITAL ONE BANK (USA), N.A.
vs
BABAIAN, MICHAEL G
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn
falsification to authorities, that he/she is, TRACY TAYLOR, Authorized Agent, of CAPITAL ONE BANK (USA),
N.A., Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief.
TRACY TAYLOR
Notary Public
4862362592106416
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
CAPITAL ONE BANK (USA), NA, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANU.
V.
MICHAEL G. BABAIAN
Defendant
No. 08-4341 Civil Term
CIVIL ACTION - LAW
DEFENDANT'S ANSWER TO COMPLAINT
Defendant, Michael G. Babaian, respectfully files the following answer to the
Plaintiff s Complaint:
1. Admitted.
2. Admitted-
3. Admitted.
4. Admitted in part; denied in part. It is admitted that the Defendant used the card
to its credit limit of $300; it is denied that the current balance is $1083 as of June 6, 2008.
5. Denied.
6. Denied. The interest rate is excessive, usurious, illegal and unconstitutional
under the state and federal constitutions.
7. Denied.
EXRBIf
(D7 / aa5s
WHEREFORE, Defendant, Michael G. Babaian, respectfully demands judgment
in his favor and against Plaintiff, Capital One Bank.
BY:
Michael G. Babaian
DATED: October 3, 2008.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
CAPITAL ONE BANK (USA),NA,
Plaintiff,
V.
NO.: 08-4341-CIVIL TERM
MICHAEL G BABAIAN,
Defendant.
PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR
PRODUCTION OF DOCUMENTS
Plaintiff demands that the defendants answer and respond to the following Request for
Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the date of service hereof.
Plaintiff also demands that defendants answer and respond to the following Request for
Admissions pursuant to Pa. Rules of Civil Procedure 4014.
You are requested to admit the truth of each of the statements of fact hereinafter stated. You are
instructed that:
1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et
seq., and each of these matters of which an admission is requested shall be deemed admitted
unless your sworn statement in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your answer, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you fail or refuse to admit the truth of any such statement of fact and the
Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses
incurred in making such proof, including attorneys' fees, witness expenses, etc.
5. If, in response to any of the following statements of fact, it is your position that
the statement is true in part or as to some items, but not true in full or as to all items, then answer
separately as to each part or item.
6. If you have been sued in more than one capacity or if your answers would be
different if answered in any different capacity, such as partner, agent, corporate officer or director
9_"
or the like, then you are requested to answer separately in each such capacity. Failure to do so
constitutes an admission in any such capacity.
7. In these Requests for Admissions:
A. The word "person(s)" means all entities, and, without limiting the
generality of the foregoing, includes natural persons, joint owners, associations, companies,
partnerships, joint ventures, trusts, and estates;
B. The word "document(s)" means all written, printed, recorded, graphic, or
photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any
manner to the subject matter indicated;
C. The words "identity", "identify". "identification", when used with
respect to a person(s) means to state the full name and present or last known address and business
address of such person(s) and, if an actual person, his present or last known job title, and the
name and address of his present or last known employers;
D. The words "identity". "identify" "identification", when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creation of the same, the name(s) of the addressee or addressees if any and the
name(s) and address(es) of each person who have possession, custody, and control of said
document(s). If any such document was, but is no longer in your possession, custody, or control,
or in existence, state the date and manner of its disposition; and
E. The word "ident' when used with respect to an act (including an
alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means
to (1) describe the substance of the event or events constituting such an act, and to state the date
when such act occurred; (2) identify each and every person s participating in such an act; (3)
identi all other person(s) (if any) present when such act occurred; (4) state whether any minutes,
notes, memoranda, or other record of such act was made; (5) state whether such record now
exists; and (6) identi the person(s) presently having possession, custody or control of such
record.
8. Unless otherwise indicated, all Requests herein relate to those certain events,
persons, and period of time more fully described in the pleading in this case.
9. These requests are of a continuous nature.
These Requests for Production of Documents shall be deemed continuing so as to require
supplemental answers and documents if any information of documents are acquired subsequent to
the filing of responses hereto, which information or documents would have been included in the
answers and documents produced had it been known or available at the time the answers and the
documents provided pursuant hereto were produced. Defendants shall supply such information
and documents by supplemental answers and production of documents as soon as such
information becomes known or available and in all events, prior to trial of this action.
If objection is made to any requests for production of documents, it is demanded that the
requests for which there is no objection be answered and furnished within the aforesaid period.
All documents identified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and department from whose files it was produced and the current custodian of said
document.
If a document called for is believed to exist or is known to exist, but is in the possession,
custody or control of another person or party, the existence of the document, the identity of the
possessor, custodian and one in control of such documents shall be provided along with any
applicable common description or citation utilized by the publisher, possessor, custodian or
disseminator of such document.
If any document called for by this request is withheld on the basis of any claim of
privilege or any similar claim, identify that document as follows: author; addressee; indicated or
blind copies, date, subject matter, number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claim asserted.
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries,
diaries, charts, lists, phone records, data compilations etc.
REQUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
REQUEST FOR ADMISSION NO. 1:
Defendant applied for the credit card referenced in Plaintiff's Complaint.
Admitted
Denied
If the answer to Request for Admissions No. I is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 2:
The attached monthly statements, from September 4 2005 through February 3 2007, correctly
identify the payments, charges, and balances on the account.
Admitted
Denied
If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled
checks, both front and back, and/or if not available, specific written documentation supporting the
denial.
REQUEST FOR ADMISSION NO. 3:
The last payment on the account was made on August 26 2006.
Admitted
Denied
If the answer to Request for Admissions No. 3 is "denied", then supply specific written
documentation supporting the denial.
REQUEST FOR ADMISSION NO. 4:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit
card in question.
Admitted
Denied
If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific
written disputes as to any billing inaccuracies.
REQUEST FOR ADMISSION NO. 5:
$1083.00 is a correct and accurate current balance of the credit card account in question.
Admitted
Denied
If the answer to Request for Admissions No. 5 is "denied", then supply specific written
documentation supporting the denial.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED SHALL BE USED FOR THAT PURPOSE.
r?
Benj R. abler, Esquire
PA . #93598
WELTMAN, WEINBERG & REIS
CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-79555
DEFENDANT'S VERIFICATION
I, , (please print) under penalty of perjury and
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to
authorities verify that the foregoing Responses are true and correct to the best of my
knowledge, information and belief.
Date
Signature
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's First Request for Production of Documents and
Request for Admissions has been served by U.S. Mail, on the i day of
2009, upon the following:
Michael G Babian
1024 W Foxcroft Dr
Camp Hill Pa 17011
Wo
Protect your account. Enjoy peace of mind.
• pays the minimum monthly payment on your account if
you lose your job involuntarily or can't work due to temporary
Payment disability.
FR 0 T E CT I ON • gives you up to $io,ooo of credit coverage in the event of death.
f.,„? Ca panic ne • costs just 89 cents per $ltoo of your monthly balance.
• ENROLL TODAY!
See reverse for enrollment information -a
0200702
PLATINUM VISA ACCOUNT
4862-3625-9210-6416
SEP 04 - OCT03, 2005
Page 1 of 1
Acom int
Previous Balance $.00
Payments, Credits and Adjmuaetts $.00
Transactions $200.97
Finance Charges $.00
New Balance #20097
Minimum Amount Due $15.00
Payment Due Due November 03, 2005
Total Credit line $300
Total Avn7able Credit $99.03
Crean Line for Cash $300
Available Credit for Cash $99.03
At
To all Cartooer ReLSow or vo repot a loot or sWm ark
1-800-903-3637
Smd p 7 mb ft , Said iaquiri• to
Ater Ramimmoe Promola8
O-Bank
M Gp'n,i Ode
a 796716
R P.4. lia 76285
Sr. Lou6, MO 63179-0216 SLC, UT 84176-0285
I wof fart Account Information
Twelve hates of wllege athletics are for
the bona of . Ox Na6o>pl Msecot of and
you an help decide who wind Each week, the mascots go
head-to-head in competition, but oily one wM win the
covtsed tide and $10,000 far their school. Go to
apitalonexom where you can vote daily f r favorite
mascot - and don't fatget to tune in to the 4PIW One Bowl
on ABC on Monday, Jammy2, 2006, to we who wmsl
Payments, Credits and Adjustments
Transactions
1 28 SEP SEARS AUTO CNTR 6364 CAMP HILL PA $161.97
2 03 OCT CAPITAL ONE MEMBER FEE 39.00
Finance Charges PJtaw wnwowttkferixowtawnefowatiaa
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PURCHASES 0D % 00
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ANNUAL PERCENTAGE RATE applied this Period 0.0091
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 02009 70000000015005
New Balance $20197
Minimum Amount Doe $15.00
Payment Due Due November03, 2005
Total enclosed $
Aeaum Number. 48624625-9210-6416
Capital One Bank
P.O. Box 790216 lultlnllelltatttttll
St. Louie, MO 63179-0216
Pk-,#,W uaeraiirsarJ?wr nrilo6wFrAd-r ekh.-A.A"k
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#9027792405680481# MAIL ID NUMBER
MICHAEL G BABAIAN
o 15 SUSSEX RD
m +? CAMP HILL PA 17011-6652
fillttroll.rnlt1111$$1111$1611teltl1ttlltlltetrtltrllttltrlt) o ¦? I1 1111111111111 ItttH111111111 ttlltttitlttt1111111111111111111
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To enroll in Payment Protection:
i Call toll free 1-888-527-3014 or return this form with your Capital One" credit card payment.
j who you call, phase mention yay code 3P7 1
? YESI I want the peace of mind that comes with Payment Protection. MICHAEL G BASAIAN
By signing below, l authorize you to enroll mein this program to
j safeguard my current Capital One account. I understand that by is SUSSEX 12D
;
enrolling, I will be charged $.89 per $ioo of my monthly statement CAMP HILL PA 17011-6652
i balance that will be billed to my Capital One card. See Important t
Information below.
I Signature Date ,i__/_ j
1 authorize capita( One to forward this coupon, which Includes my account number for Mug Account at 4862 3625 9210 6416 t
purposes, to the company that services this product on my behalf
Please sign in black or blue ink only. Detach and return this form in your Capitol One credit card payment envelope.
`---- ??------------------------------------------?
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A Premier W& tamp
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The Address Stamp That Lasts! Order Additional Stamps For.
e Perfect for your new address r Bank deposits
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Account number: 4862362592108416 Expires: J
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-$7A gg*
?
and n9
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PLATINUM VISA ACCOUNT
4862-3625-9210.6416
OCT 04 - NOV 03, 2005
Par 1 of 1
Account
Previoaa Balance $200.97
Pay n% Credits and Adjustments $10097
Transactions SM71
Finance Charges $.00
New Balance $23&71
Minimum Amount Due $15.00
Payment Due Date December 03, 2005
Total Credit Line $300
Total Available Credit $63.29
Credit Line far Cash $300
Available Credit for Cash 36329
Atyourservisx
To cal Cortoe rRdatiomerrtorgartalostwaalenark
1-800-903-3637
Send payments am Sind inguirier ft
Ana Ret khnoc P-okng
Capital Ose Bask Capin!Osa
P.O. Boa 790216 P.O. Bra XW
St Louie, MO 63179-0216 SLC UT$4130.6285
?.
MK34AEL Q BASAINN
16 SUSSEX RD
CAMP HILL PA'17011-6652
Payments, Credits and Adjustments
1 21 OCT PAYMENT RECEIVED - THANKYOU $100.97-
Transactions
2 21 OCT FRONTIER'CALL US AT 1800-542-2255 CA $90.82
3 26 0CT FRONTIER CREDIT INC WO-241-2012 CA 45.89
Take control and payyour Capital One credit cud big online for free. Eliminate the hasde of
writing chc* fording stamps and sealing envelopes. Everything you need to access review
and pay your bill is avadahle online. Our eb site offers you a mmeakin; ample and secure way
to manage, your account Visit www.eapitalomoom and register your account to start simplifying
your life today.
As a valued Capital One aatomer, you are eligible to receive a free Year-End Summary for this
specific account thta recaps your 2005 chugs, provided your amount is in good standing and
you bane made tranau3ioro during the calendar year. Please call I-877-794-4187 before December
31, 2005, to reserve your copy for this account We will begin processing orders in January 2006.
Fmsnce Cha%a Pkam eseretwuJiArfir forfasf iV6rarafioa
=.- era,
A'r ? ME PURCHASES f209.79 .00000% AW $.00
CASH &00 A56mp 20.M 9.00
ANNUAL PERCENTAGE RATE appllod this penod 0.009
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0236710100970015006
Pkrrprisrarifmrrtira.erl?srs,.d 6 Wlvhr.;stHerr-Mwk:s&
New Bslanee $236.71
Minimum Amount Due $15.00 saes Ape
Payment Due Date December 03, 2005
(col] 9h4 21P
Total enclosed $ - 1 Hoar Phone, Alt-w Peoor
AccountNumba: 4862-36254210-6416 •
FaraAddna
#9030892405680484# MAIL ID NUMBER
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I Capital One Bank MICHAEL G BABAIAN
as. 1
P.O. Box 790216 {{{uw{{su{{r{w{{ m a?? 15 SUSSEX RD
St. Louis, MO 63179-0216 n CAMP HILL PA 17011-6652
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To order additional Premix Kwik Stamps, just print the information ff your shipping address is dfiYenM from the address on your
exactly as you would like K to appear on your stamp. statement; please complete the form below. Aft orders sell!
be shipped to the same address.
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Account
Previous Balance $236171
Payments, Credits and Adjn»tmeft $A
Tratmttiono $137.91
Finance Charges t.00
New Babmoe $374.62
Minimum Amount Due $74.62
Payment Due Due January 03, 2006
Toll Credit Line $300
Total Available Credit 8.00
Credit line fat cash $300
Available Credit for Cash $.00
Atyttursmice
To can Coot merRAWomwtoreport*Iwt ora"=au&
1-800-903-3637
Smd to Surd ioguiua Im
Attm e>IM 1 Pmm/iog
Gnitat One Burk Copied Out
P. . Burn 790216 P.O. Boa 36715
St. L.44 MO 63179-0216 SLC, UT JIM10-0=
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PLATINUM VISA ACCOUNT NOV 04 - DEC 03, 2005
4862-3625-9210-6416 Pagel of 1
Payments, Credits and Adjustments
Yoe scheduled payment bas not been received. Please remit the amount due appearing on this statement. If
J"0u have ?Y made Y°m PaymenS Place accept oa thanks.
Tnamcuons
1 04 NOV RUTTER'S FARM STRE #153 ET MRS PA 8189
2 06 NOV ECLIPSENIGHfCLUB HARRISBURG PA 6.00
3 06 NOV AMOCO OIL 06955629 MECHANICSBURG PA 22.01
4 1S NOV SHELL OIL 57540232105 HARRISBURG PA 23.01
5 17 NOV DRAGON FLY CLUB HARRISBURG PA 11.00
6 18 NOV PHMS MECHANICSBURG FAM MECHANICSBURG PA 15.00
7 19 NOV OVERLIMIT FEE 29.00
8 03 DEC PAST DUE FEE 29.00
As a valued Capital One customer, you are eligible to receive a five You-End Summary for this
opeci6c account that recaps your 2005 charges, provided your account is in good stand' and
you have made ttallsactions during the alenda year. Anse all 1-877-794 4487 befaeee amtvy 31,
2006, to reserve your copy for this account Orden will be mailed out by the end of February2006.
You were aweaed a polar due fee of $29.00 on 12103/2005 because your minimum payment was not
received by the due due of 12!03/2005. To avoid this fee in the fume, we recommend that you
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FiratmCbaW PlavearreveftJ akfiraal94walot i1 famatim
a?re„wM Pwiedte PA CZAR
?idr .car
PURCHASES t3M.04 .00600% AM too
CASH 1.00 .05692%P 20.74% too
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CRO 0000000 0 4862362592106416 03 0374620100970074622
Pkarp:rraln7 igmW- mi4.rwm,7.&A jw Wmoo iVJ&,-M.,A iii
New Balance $374.62
Minimum Amount Due $74.62 savet Apt s
Payment Due Date January 03, MW Ow a- 77P
Total enclosed $ Ftaov ppay Aloebte P6oas
Acootutt Namba: 4862-362-e-9210-6416 •
Fm+lAddm
#9033892405680481# MAIL ID NUMBER
Capital One Bank MICHAEL G BABAIAN
P.O. Box 790216 {1{u{{{m{{nw{{1{ e = 15 SUSSEX RD
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Your account is temporarily suspended from oe2
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advances due to its
past due status. ICHAEL
A good credit !Wring can h& yo
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We can help restore your charging privileges:
TEMPORARILY
• Use our free Check by Phone service by calling $4oo-g55-"oo. 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.
f I wtwtny rw.aeer
CAPOWOW
• I
you prefer, simply use the remittance coupon below.
The purpose of this letter is to collect a debt. Any Intommition obtained will be used for that purpose.
O 2005 Capital One Services, Inc. Capital One is a federally registered service mark AN rights reserved. 042-0605
C __x
Acoowlt
Previrns Balance $374.62
Paymenue Credits and Adjuatmerm tA0
Traawction $58.00
Finance Charges too
New Balance $432.62
Almimam Amount Due $131.62
Payment Due Due Febrmry 03, 2006
Total Credit Line $300
Total Ava"e Credit $.00
Credit Liao for Cash $300
Available Credit far Cash $.00
Atyaweervice
T. aB Carona Rel k. a to xpw& W ar eaoiae ark
1-800-903-3637
Seed pgm®b to:
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P. Boa 790216
St Loui4 MO 67179-0216
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SLC, U]* 8413"M
PLATINUM VISA ACCOUNT DEC 04, 2005 -JAN 03, 2006
4862-36254210-6416 Ptge 1 of 1
Payaxnts, Credits and Adjustments
Transactions
1 03 JAN OVERLIMIT FEE $29.00
2 03 JAN PAST DUE FEE 29.00
Your WWI=was Pea due. Unda the terms we Ieedoudy disdascd to you, dyour aaount is
past due again, your Annual Peroeange Rain (A.PIU) may i Crewe.
This sccounea Non-Intsoduaay Rana as of 12/20/05 are: pechau A.P.R. -19.65%V, cash
advance A.P.R. - 20.74%V and spedai transfa A.P.R. -19A %V. If the A.P.R. is followed
by'V,' then yore correaponding A.P.R. is a variable race.
You were unwed & past due fee of $29.00 on 01/03/2006 becom you minimum payment was not
received by the due date of 01/0312006. To avoid this fee in the fuume, we recommend that you
allow at leaat 7 %xiaew days for you payment to reach Capital One.
Finam Charges Pkarsrarmerxtrk iriaspntaat hograr•tim
Periedr ? ME
ePfledb ,dr
PURCHASES 4375.55 .00000% 00% 4.00
CASH too .05319%P 22.21% 4.00
ANNUAL PERCENTAGE RATE applied this period 0.0091
PLEASE RETURN PORTION BELOW WITH PAWENT •
0000000 0 4862362592106416 03 0432620100970132622
New Balance $432.62
Minimum Amoatt Due $132 62
Payment Due Due February 03, 2006
Total enclosed $
Aomuot Nanba: 4862-3625-9210-6416
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Capital One Bank MICHAEL G BABAIAN
P.O. Box 790216 11 gill ¦? 15 SUSSEX RD
St. Louie, MO 63179-0216 m CAMP HILL PA 17011-6652
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Account
Previous Balance 3432.62
Payments, Credit and Adpntments $150.00
Tnrrsauioas $1955
Finance Charges $1051
PLATINUM VISA ACCOUNT
4862-3625-9210-6416
JAN 04 - FEB 03, 2006
Page 1 of 3
Payments, Credits aad Adjnatments
1 31 JAN PAYMENT RECEIVED - THANKYOU 3150.00-
Transactions
2 16 DEC TBE'CALL FR7174976379 800.697-9277 CA
New Balance $312.68
Minimum Amount Due $15.00 As a valued Capital One cuuomer, you an eligible to receive a free YCar-Ead Summary for this
Payment Due Date March 03, 2006 specific account that recaps yaw 2005 char^ Provided yaw account is in good smadma, and
YOU have made transst&M during the calendar yew. Please Call 1-877-7944487 bdfare March 31,
Total Credit Line $300 2006, to reserve your copy for this account Orders will be maned out by the end of Apil 2006.
Toad Available Credit 300
Credit Line for Cash 3300 Want to reduce yaw A.P.R.?
Available Credit for Cash $.00 Uwe receive your minimum montbly payment on time for the nen ant mnsecmive bi%ng period;
this account will be reviewed for a poauble A.P.R. decrease.
AtyumocMet "Important Notice" Since your account was plat due your Annual Percentage Rates (A.P.Rs)
To *2 Oudomer Rdatiam, a to report a lot or #Wao ou* have been increased u previously disclosed. All other terms and conditions remain in full force
1-800-903-3637 and effect
send ptgmenb to Sad imquiua to
Auer Ranithmoe Proomdng
CapibtoneBank Capita One
P.O. Boa 790216 P.O. Boa 30185
St. 1o4e, MO 63179-0216 SLC, UT 84130-0285
$19-55
Finam Charges Pkaxxrretwxnkfir iegadow sq*x s m
BlarraN pt k k C-? CAARC
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m PURCHASES 8438.07 .OM7%P 28.3& 810.51
CASH too .OM7%P 2s.24% too
ANNUAL PERCENTAGE RATE applied this period 28 2491
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0312680150000015003
New Balance 331168
Minimum Amount Due $15.00 Seed Ape
Payment Due Date March 03, 2006 Ckf soue 72P
Total enclosed $ Homephox AhaaalePbw
AccomatNumber. 4862-36254216-6416
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11111? #9003592405680483# MAIL ID NUMBER
71 Capital One Bank i MICHAEL G BABAIAN
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P.O. Box 790216 III+nllnnlluul+ll 15 SUSSEX RD
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CAMP HILL PA 17011-6652
St. Louie, MO 631 79-0216
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is yo analeesd rn ores irwdaps ad W tar psymwt a secdwd r our pocas?e sore by 3 P•e. ET (t t ram Pg. Frase row at leave live M bdieom days IN peed 0egweyPsymwr wetter M u rt achy otw leaden or r alt e" lNm mry red bs cwANd an of the day we reeve tem. Our bubase dry" we Monday tlwWt Mnsdar maduip hddar.
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u b make a drys agiet yon bmi account uYq the dock a papa draft or odw hon.
Are you getting the most for your money?
120 $200
too Annual Interest Earnings
on a $5,000 Balance
860
40
20 $12
0 t__ 1 -0 M
4.00% APY+ 1.205/6 APY- 0.609/6 APY 0.25% APY
Capital one
Money Market Account National Average Bank of Americas Wachovia•
201711
._a
Cnmpet?r canpa??son irrarmation pulled Nom wwwbnkaramaios.com and wwuKwadwria.aom ss of 17/29x05 using Nsw ltrk ?+•7 Market Acmu t AW& APNs assume
f5,00D aarount bslanQ. The abae non•Capital One seniae marks ara owned by • ?D• • • h? ?+9hls n eed. Capitol One hx no atHlation suit #me wON&
Earn more the
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• Open an account with
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MICHAEL G BABAIA.N,
Because you are a valued Capital One• customer, we think you deserve
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Put your hard-earned savings into a Capital One Money Market
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201711
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You owe it to your money to open a Capital One Money Market Account.
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Monday through Friday 8:00 a.m. to 8:00 p.m. • Saturday 8:00 a.m. to 2:00 p.m. ET
MEMBER FDIC
capW one Bank Call1/a1 +
capltat oft"Im. Sal M
High Mead Savings Accounts I Money Market Accounts I Certificates of Deposit
Questions and Answers about the
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Q: What is a Capital One Money Market Account?
A: A Capital One Money Market Account offers more competitive rates than a typical savings
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Q: What type of money market account can I open?
A: Capital One offers individual and joint money market accounts.
Q: How do I make withdrawals from my Capital One Money Market Account?
A: Money market accounts have different rules for withdrawing funds than a regular checking
account. You're allowed up to six transfers or withdrawals each statement cycle, three of
which may be checks written to a third party. You may also use a Capital One Money Market
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Boom we've built with our clients.
l?
0
om
" As of 1? the dais nce of this aaccou? wad 100 the is ANY as 4. d A
y api al S B area tai 18 1 Lng. s = r1t cre __ngs rawal f?mib p here pr acts are owereed
** National average of APYs for money market accounts as published by BanxQuote.com as of I2/2f!lOS.
0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
10W I what's in your wallet?'
MICHAEL G BABAIAN...
just in time for tax time
201721
tax smarts
. This year, tax day is the 17th-
it's not an April fool's joke, you
really do get two extra days.
Refund? Deposit it in a
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Owe uncle Sam? Pay your taxes
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Page 3 of 3
MICHAEL G BABAIAN:
At Capital One, we're always looking for ways to thank you just for
being a customer. So let us help you take the hassle out of dealing
with Uncle Sam this tax season. Here's how:
-Save money, save time too-use the attached coupons for up
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You can also check out more helpful advice on the reverse
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Thanks for being a Capital One customer,
P.S. Hurray., Because of the weekend, tax day is April 17, 2006-
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Any trademarla mentioned herein are solely owned by their respective entity.
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O 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
'A
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PLATINUM VISA ACCOUNT
4862-3625-9210-6416
FEB 04 - MAR o3, 2006
Page 1 of 1
Account Stmrun isy Payments, Ctuxlits and Adjustments
Previous Balance $312.68
Payne Credits and Adjustments $M Your sduduied payment has not been received. Please remit the amount due appearing on this statement If
Tntmmoto $2900 you have already mile your Payment Plase accept otir thanks
Finance Charges $6.85
Transactions
New Balance &S3
Minimum Amount Due $4853 1 03 MAR PAST DUE FEE $29.00
Payment Due Date April 03,20D6
You were asseared a pag due lee of $29.00 on 03/0312006 beeawe your minimum payment was not
Total Credit Line $300 received by the due date of 03/03/2006. To avoid this fee in the fixture, we recommend that you
Total Available Credit $.00 allow at least 7 busiam days for your payment to reach Capital One.
Credit Line for Cash $300
Available Credit for Cash $.00
AAtymservxe
To as C-b-r Rdsdmo r m report alert er s6akn nck
1-800-903-3637
Send pgmatb tot Sind imgaiew t«
Atm: Ranittonce Proawin=
0ae
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Important Account Information
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Fm once Charges Pkaunrresrrnnde/6ristjmrAW hormaton
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m PURCHASES $31196 .0771716P 2$24% "is
CASH LOO .07Tb7%P 2LM SAO
ANNUAL PERCENTAGE RATE applied thin period 28.24%
PLEASE RETURN PORTION BELOW WITH PAYhIENT
0000000 0 4862362592106416 03 0348530150000048535
New Balance $348.53
Minimum Amount Due $4&53
Payment Due Date April 03, 2006
Total enclosed $
Acwont Numbs: 4862.3625-9210.6416
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Capital One Bank r MICHAEL G BABAIAN
P.O. Box 790216 ?t?n???us?g?uu?(s? m sus 15 SUSSEX RD
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St. Louis, MO 63179-0216 CAMP HILL PA 17011-6652
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MICHAEL G BABAIAN
LET'S TALK - WE'RE HERE TO HELP. 054
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® 2006 Capital One Sowiew, Inc: Capital One it a federally raghmead serm" mark. AU r4htr reruv ll 064.07751
PLATINUM VISA ACCOUNT
4862-36254210-6416
MAR04-APR03, 2006
Page 1 of 1
Amount Snimaury Payments, Credits and Adjustments
Previous Balanne 04S3
Pqmabk Credits and Adjuatneents Tttmeacdons
Tnossections m
Finance Charges M53 1 03 APR PAST DUE FEE $29.00
New Balance $386.06 Youre behind by two payments Let's talk. If you're having financial difficulties and can't make your
Minimum Antaunt Due $86.06 minimum payment - we want to help. Let's work together to find a solution that works best for you Give us a
Payment Due Date May 03, 2006 call at 1.800.955.7070.
Total Credit Line 5300
Total Available Credit $.00
Credit Lim for Cash $300
Available Credit for Cash 00
At
Te aan Cuatoseee Rdatiom ere to report a tat r adm nerd:
1-800-903-3637
Seadpaymossu Sradioquitiata
Atam RmtitsencePma.Wn8
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O. Baer 796116 P.C1. Boa 30185
St Loui,, M0 63174-0216 SI.C, UT 84]30 M
Reminder: If we receive your minimum montbly payment on time fa 12 comecutive billing
periods, this account will be reviewed for a possible rerun to you Non-1--b" A.P.R.
You were assessed a past due fee of 529.00 on 04/03/2006 becatsc you minimum payment was not
received by the due date of 04/03/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
FinamChug" PAwsr rrs•waradt/6riavpatarrifffseseriss
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PURCHASES 835264 .0780fM1P 28.49% 8853
CASH ise .079MP 20.49% s.00
ANNUAL PERCENTAGE RATE applied this period 28.499
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0386060150000086067
New P-1, $386.06
Minimum Amcunt Due $96.06
Payment Due Date May 03, 2006
TOW enclosed s
AccountNtembes- 4962-3625-9210-6416
Capital One Bank
P.O. Box 790216 1slnltullnlalullal
St. Louie, MO 63179-0216
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11110 0
Acoount
Previous Balance $386,06
Payments Credits and Adputments $.00
Traosaaions $29.00
Finance Charges $9.14
New Balance $42420
Minimum Amount Due $124.20
Payment Due Date June 03, 2006
Totil Credit Line $300
Todd Available Credit $.00
Credit Line for Cash $300
Availahle Credit for Cash $.00
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To all Customer Rdatiow w to repast a let or e4m ou&
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Acts Rmithom Pmomiog
CapihloMEsnk Cspitsl One
P.O. Bos 790116 P.O. Bta 30]85
St Lou6, MO 61179-0116 SLC, Ur 84130-0385
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PLATINUM VISA ACCOUNT APR 04 - MAY 03, 2006
4862-3675-92106416 Pagel of 1
Payments, Credits and Adj..stmenta
Ttatmacdona
1 o3 MAY PAST DUE FEE $29.00
You were assessed a past due fee of $29.00 on 05/03/2006 because Yom minimum payment was not
received by the due date of 05/03/2006. To avoid this fee in the fiuvre, we recommend that you
allow at lead 7 business days for your payment to reach Capital One.
FlmmChingea Pleswwrsvsrr akfirm9kWanttgOrnarm
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a PURCHASES 11390.46
CASH 2.00 .0780516P 18.49% $9.14
.079MP 22.49% 2.00
ANNUAL PERCENTAGE RATE applied this period 28.49%
PLEASE RETURN PORTION BELOW WITH PAYMENT
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New Balance $42420
Minimum Amount Due $12420 street Ape s
Payment Due Date June 03, 2006
C4 sr.e ZIP
Total enclosed i 71 Bam.phm AkemnePhmee
Aooou.nNamben 4862-36254210.6416 •
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Capital One Bank
P.O. Box 790216 I.1111111U.111.111111
St. Louie, MO 63179-0216
1111111111111111111111.11111111$111111111.11111111111111111111
#9012492405680485# MAIL ID NUMBER
MICHAEL G BABAIAN
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CAMP HILL PA 17011-6652
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Capital0ne
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02W Capitd One Smaica, Inc. Capim! One fr a frdmrlly regirrerd mrnice mark a rfahor reamed 05807754
Acoatnt
Previous Balance $42420
yme Credits and Adjustments
Pa $.00
T
ra $29A0
Funoce Charges $1038
New Balance $46358
Minimum Amount Due $16358
Payment Due Date July 03, 2006
Total Credit Line $300
Total Available Credit x00
Credit Line for Cash $300
Available Credit for Cash $.00
Atyourve vice
To eaU Cusut RAttiom or vorepot a lost a#Wm oos&
1-800-903-3637
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ACrat?aRleatimaw Proce imj
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P. . Bs 790216 P.O. Bm ]0365
St Lain, MO 6317M16 SlAUT64LWW
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PLATINUM VISA ACCOUNT
4862-362$-9210.6416
MAY 04 - JUN 03, 2006
Page 1 of 1
Payments, Credits sad Adjustments
Tnumc ionm
1. 03 JUN PAST DUE FEE $29.00
You're behind by four paymems. You still can't make any new purchases or cash advances on your account
But you can still regain your charging privileges and bring your account back info good standi by paying the
amount due on your statement within the next. 30 days Unfortunately, if we don't receive a sufficient
paymcn4 we ntay have to permanently suspend your charging prrvtleges Need help? Give in a all at
1.800.955.6600. rV work together to see what your options are to rebuild your account starts.
You were awned a pat dux At of $29.00 on 06/03/2006 because your minimum payment was not
received by the dux date of 06/03/2006. To avoid this fee in the fume, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Ramose Chan" Plawmrer mnarfirisywtmrtrsifvwatwoo
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PURCHASES
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ANNUAL PERCENTAGE RATE applied this period 28.49%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0463580150000163583
New Bodoo $463.58
Minimum Atowm Due $16358
Payment Due Date July 03, 2006
Total enclosed $
AccountNtunber. 4862.3625-9210.6416
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#9015592405680489# MAIL ID NUMBER
Capital One Bank MICHAEL G BABAIAN
P.O. Box 790216 lslt,tuslllululull r 15 SUSSEX RD
St. Louie, MO 63179-0216 CAMP HILL PA 17011-6652
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MICHAEL G BABAIAN
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MAKE A PAYMENT. AND TAKE CONTROL
OF YOUR CREDIT WITH CAPITAL ONE'
Your account is temporarily unusable. The good news is, by paying the
amount due on your statement, you can still bring your account into
good standing.
Let's work together to bring your account back to good standing.
You can make a payment with our &M check by phone service
or speak to an associate by calling 1.800.955.6600.
® 2W Capital Ore sarvicu, Inc. CViral One it a fadamliy rrdire,rd r w4cr monk Ali rVh& maa % d 050.07754
Accaamt
Previous Balance $W.8
Payments, Credits and AdJtrunenot sm
Tnmac6ous $29A0
Finance Charges $11-17
New Balance $503.75
Minimum Amount Due $203.75
Payment Due Date A"03,2006
Total Credit Line $300
Total Available Credit $.00
Credit Line for Cash $300
Available Credit for Cash $.00
Atyot mvkt
To all Cmsmer Rdatiew a to :apart a hat a stoles ark
1-800-903-3637
SeDdps?mmsta Saad1wria,su
Atm, R?thme Puna .Ina
Ox
CapSWOaaB79021as6 P.B. Ek 'Cnaka 30365
P.O. ]Sao
St Lour, MO 63179-0216 MC, UT 84130-02 5
1n4wamt Acoamt lnfonmation
Take control and am ppaayyrraagg yowr bill outline far Eee.
Eliminate the brie odw Mat checks, finding stamps, and
sealing eavelopa; Everything you need to array review, and
pay yaw bill a available online. Our webar offers you a
convenient, sim* and seam way to maw your aooou=
VI& vrW.apitalone.oom and regster your account to start
simplifying your life today.
PLATINUM VISA ACCOUNT
4862-3625-9210-6416
JUN 04 - JUL 03, 2006
Page 1 of 1
Payments, Credits and Adjustments
Txawactiow
1 03 JUL PAST DUE FEE $29.00
Youre behind by five payments - so we've permanently suspended your char g' Privileges. If you don't
make a sufficient payment in the next 60 days, well charge offyaur account. If your account n reported to
national credit bureans as charged o1L it'll have a serious impact on your credit record. Please don't let this
happen. You can prevent an further datosge to your credit by pays the atstouat due on your statemem. If
you re feeling overwhelmed, give us a call at 1.800.955.6600. We71 work with you to resolve thm matter.
You were aewsed & past due fee of $29.00 on 07/03/2006 becrae your minimum payment was not
received by the doe date of 07/03/2006. To avoid this fee in the finure, we recommend tint you
show at leas 7 business days for your payment to reach Capital One.
Finance Clmtgca Plaawra rasa r-Ar/6 iyet-f-sr "Orav -
r7d avrotr Shnadr
RM
,pprsrdb mP
naF AP8
PURCHASES 6466.95 .07946KP 2899% 61L17
CASH 6.00 .07%2%P 28.99% R00
ANNUAL PERCENTAGE RATE applied this period 28.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0503750150000203755
rG..tmw mr. AAk sal-,•,..W.Wu,lrbwmrawM ro.Hmt Ant
New Balance 003.75
Ml im um Amount Doe $203.75 sine Apt r
Payment Due Date August 03, 2006
Gti sue. ZIP
Total enclosed $ ,pys, pya,
Account Numbs: 4862-3625-9210.6416 0
PAZAUM
Capital One Bank
P.O. Bcx 790216 trltatsuttlu111111lut
St. Louie, MO 63179-0216
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MICHAEL 0 BABAIAN
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I what's in your wallet?
MICHAEL G BABAIAN
NOT PAYING YOUR DEBT 050
DOESN'T MAKE IT GO AWAY.
In fad, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our ice, check by phone service
or speak to an associate by calling 1.800.955.6600.
Made sure you cal or pay the amount due on your statement within 30 days to keep your account from being charged off.
® 2006Capird One Sersiar, Inc. Cord One it a frdemUy res&urad semis marA. AU rig/rtt nerved 05&01754
RIM"
PLATINUM VISA ACCOUNT
4862-3625-9210.6416
JUL 04 - AUG 03, 2006
Page 1 of 1
Account Stmtmatq Paymenta, Credlita and Adjtutments
Previous Balance $503.7S
Payment; Credits and Adja4m
nts $.00 Tramawtioa
I
Tanneliono $29.00
Finance Charges $12.55 1 03 AUG PAST DUE FEE $29.00
New Balance W5,3p Your accoutn is six payments behind. If we charge offyou account due to law payments, we will report this to
Minimum Amount Due $54530 several national credit bureans which may have a serious impact. on your credit record. AC now to prevent this
Payment Due Date September 02, 2006 from happening. Please pay the amount due on your aatement or give us a call at 1.800.955.6600. Well work
with you so you can take control of you Capital One account and cart rebuilding your credit.
Total Credit Line $300
Total Available Credit $.00 You were assessed a past due fee of $29.00 on 08703/2006 because your minimum payment was not
Credit Line fa Cash $300 received by the due date of 08/03/2006. To avoid this fee in the futtaq we recommend that you
Available Credit for Cash $.00 allow at ]eau 7 business days for yaw payment to reach Capital One.
Atyoureervkoe
To all Coaam. Rdadow or to report a lo.t ae stolen ou*
1-800-903-3637
Send paymenb tae sendiaTt to:
Atts: ReoimaaePnomiiat
GpintOneBsak CapntOaa
P.B. Boa 790216 P.O. Boa 70295
St Lnia, MO 61179-0216 SLC, UT 8470 M
tAccount Lika ratan
Take control and scat payr%your hill online far free.
Elimimte the hassle oSwr 4 cherhar finding stamps, and
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payytna ball x available online. Our websift offers you a
convenient, ample, wad setae way to mange your account
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ANNUAL PERCENTAGE RATE applied thin period 28.999
? PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0545300150000545300
New Balanot $54530
Minimum Amount Doe 3515.30
Payment Due Date September 02, 2006
Total enclosed $
Account Number: 4%2-3625-9210-6416
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capawo e'
I what's in your wallet?'
MICHAEL G BABAIAN
TAKE CONTROL OF YOUR 0%
CREDIT WITH CAPITAL ONE?
Your account is permanently restricted from future purchases and cash
advances. But, it's not too late to prevent damage to your credit. We
want to help!
Let's work together to find a solution that's right for you.
You can make a payment with our fig check by phone service
or speak to an associate by calling 1.800.955.6600.
® 2006 Capital One Sera&a, Inc. capital Om it a fev/snally ,tgirre rd rervics ,mark AU tights rYmnns: os9-WS4
PLATINUM VISA ACCOUNT
4862-3625-9210-6416
AoooumtStmtmary Payments, Credits andAdpt+mtents
AUG 04 - SEP 03, 2006
Page 1 of 1
Previous Balance $545.30 1 26 AUG PAYMENT RECEIVED- THANKYOU
Credit and Adpstmems $100.00 S100.00-
Transcoous $29.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
Finance Charges $12.$7 you have already made your paymeay please accept ow thanks.
New Balance $487.17 Tnnuetions
Minimum Amount Due $187.17
Payment Due Date October 03, 2006 2 03 SEP PAST DUE FEE $29.00
Total Credit Line $300 Your account is one payment behind. Remember that making your minimum payments by the due date, keeps
N3ma that
And nobod
l
t
fe
rt
ddin
u
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di
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$300 y
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your amount
n goo
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our statement to keep your account in good sending
ou send in the minimum amount due on
So make sure
ne
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re
it
Available Credit for Cash $.00 y
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and to keep from paying extras fees.
Atyouraetrice
ork
To all Cvatosrr R4w&- "to sep a a ka -.6.1m
1-$00-903-3637
Smdpgmrao to Send laquiGrs to
Attm Rmnitwwe Prooeain8
Caput O"Bank Laid Ose
P.O. Bur 70664 P.O. Haar 3026.5
C6wWe,NC28272-0N4 SLC,UT 6430-0285
Important Account lnformatlen
Beginning October 1st, 2006, bared onywr account aaiviq
maybe assessed mare than tyro late, overlimis or returned
check that occur during anybilling peiiod.
NOTICE. Look for a new statement design for your Capital One credit cad beginning next mouth.
A summery of the key changes will be provided with your new d ement.
You were assessed a part due fee of $29.00 on 09/0312006 beware yaw minimum payment was not
received by the due due of 09/02/2006. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges P/mv w rrpamnk/8r impw ast iy6rara w
=:A.- A? ?, We
,Sfffvd
ati'
CCASH? 022.72 .07%^P 2&"'A 6 1.000
ANNUAL PERCENTAGE RATE applied this Period 28.9991
PLEASE RETURN PORTION BELOW WITH PAYMENT
CA 0000000 0 4862362592106416 03 0487170100000187178
%rce jrwfwe6rj?Jirrsrl?wrwr?la6sRtrrhhrengXwxM,akiok
New Baance (487.17
Minimum Ama= Drs $187.17 stag Apt e
Payment Due Date October 03, 2006
City s.e, ZIP
Total enclosed $ -? tioowpyooe Abuss"Phm
Account Number. 4962-3625-9210-6416
•
EailAddaen
w n #9024692405680486# MAIL ID NUMBER
Capital One Bank MICHAEL G BABAIAN 1
P.O. Box 70884 irlulsrlslluslaliul 0 15 SUSSEX RD
Charlotte, NC 28272-0884 CAMP HILL PA 17011-6652
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CW~Onea
I what's in your wallet?*
MICHAEL G BABAIAN
TAKE CONTROL OF YOUR
CREDIT WITH CAPITAL ONE?
Your account is permanently restricted from future purchases and cash
advances. But, it's not too late to prevent damage to your credit. We
want to help!
Let's work together to find a solution that's right for you.
You can make a payment with our fig check by phone service
or speak to an associate by calling 1.800.955.6600.
059
0 2006 capita! Ore Sm im, Lm. Capps! One is At feAw4 rvrEi eyed wrvice mark AU rig u ramvd. 058-07$54
Acw=S
Pre?i" Balance $487.17
Paymemq Credits and Adjustme? too
Trameaetiorm =68.00
Funmce Charges $11.88
PLATINUM VISA ACCOUNT
4862-3625-9210-6416
SEP 04 - OCT 03,2006
Page 1 of 1
Payments, Credits aid Adjustments
Transactions
03 OCT CAPITAL ONE MEMBER FEE
03 OCT PAST DUE FEE
$39.00
29.00
New Bilanee $567.05
Minimum Amount Due $267.05 Youre behind by tyro payments. Let's U& If yv6v having financial difficulties and cant make your
Payment Due Date November 03, 2006 minimum payment - we wen to help. Let's work together to fund a solution that works best for you Give us a
call at 1.800.955.7070.
Tout Credit lift $300
Tool Avaiable Credit
C
di
Li
f
C
h $.00 You were a sewd a put dux fee of $29.00 on 1WOW2006 becam your mm3mum paymem was rot
received b
the due date of 10(02006
To avid this fee in the futu
we
ecommend that
ou
re
t
ne
or
as
Available Credit for Cash $300
$.00 y
re,
r
.
y
allow at least 7 business days fat your payment to reach Capful One.
AtyoOrs rAw
To nB Ortomer Rdatiow a to report a loot w es" at&
1-800-903-3637
Smd to Smd bViua to
Atm . P-Main8
CapiWOasBank CgimJOoe
P. . Bor;81 IP Bas 30285
ChwUft NC 2W2-0884 SIC, UT 941"-M
Fmmrae ChaW PkwAxrmvetrdtyiriart~ isiknorm
W m ? -=11-1 CA
R49
, A
PURCHASES 849117 .08011%P 20J^ f1L88
CASH 400 .08011%P 29.24% 400
ANNUAL PERCENTAGE RATE applied tins poW 2914%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362592106416 03 0567050100000267052
New Balance $567.05
Minimum Amomm Due $267.05
Payment Due Date November 03, 2006
Tool eadosed $ 1-1
Acoouat Numbw. 4862-3625-92106416
-Capital One Bank
P.O. Box 70884 Iv{n{n{Ir{Im{m{I
Charlotte, NC 28272-0884
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MICHAEL O BABAIAN
m 15 SUSSEX RD
CAMP HILL PA 17011-6652
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done' MAKE A PAYMENT. AND TAKE CONTROL sooom
I what's in your wallet?' OF YOUR CREDIT WITH CAPITAL ONE?
Your account is temporarily unusable. The good news is, by paying the
amount due on your statement, you can still bring your account into
good standing.
Let's work together to bring your account back to good standing.
You can make a payment with our f check by phone service
or speak to an associate by calling 1.800.955.6600.
® 2006 Capful One Services, Inc. Capital One it a federally regiswed service mark. All righn raermd. 500010.08503
FINANCE
Previous Balance Payments & Credits CHARGE Tramuidlons Now Balance 1814"im Payment Due Data
$567.05 - $0.00 + $14.28 + $29.00 = $610.33 $310.33 Dec. 03, 2006
Oct. 04, 2006 - Nov. 03, 2006 Page 1 of 1
MUM F0 W tW 1Nf AMMW
Vim Platinum Account You're Wkid by three payments. That means you are temporary unable b mace new purdhasas or get ash
V4 im Platinum 8418 advances. But you an rrlgdn your Capital One dlaging p hges and berg your account bade into good
slandirg by paying the amount due on your salemerd. N you re having financial diffim ies end you're W%
Your ACCOUrd InforlTration wawhekned -we want to help. Give one of our associates a al at 1.800.955.6600. You'd be surprised what we
an do together to work this out.
TOTAL CREDIT LINE $300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $300.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges 0%eaeseeremseforiawtantInformation)
13131ance rate app m to Parac Corns APR C RAGE
Pwvhases $574.85 0.06011% P 2924% $1428
Cash $0.00 0.08011% P 2924% $0.00
ANNUAL PERCENTAGE RATE applied #6 period: 29.24%
Alh At Yow Service 14003-M
To d Ontanw Releeuw ato report a tat a olden urd:
AOL Sand payments to:
C.PW One Be* • P.O. B. 70861.OW.M, NC M72-OR
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saw Incpdrbs IN
Caged One • P.O. Bm 30205 • Snk Lena CBy, UT 54IM4M
"knpartant Notice" Under th terms we previously h I W, to you. your account is raw efobie for an increase
in Annual Pw=tage Ratan (APRs) ellectin imrnadialely. However, Capin One has ekcgd not to we your
APRs at ft time. Please be adAed Md I you fat to keep your amount in good standing, Capital One reserves
the right to raise your APRs in the Muse.
Payments. Credits b Adlustments
Transactions
1 03 NOV PAST DUE FEE $29.00
You were assessed a pad due IN because your mirinam payment was not received by lib due daa. To avoid
this iee In the tture, we rehwnmad that you atow at least 7 business days for your mininenr payment to reach
Caput one.
6056 506 1 7 3 061103 PAGE 1 of 1 01BC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
Cmaiiacine1 what's in your wWktr
0 4862362592106416 03 0610330100000310338
New Balance Minimum Payment Due Date
$610.33 $310.33 Dec. 03, 2006
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed .
Capital One Bank Ilu1u11u11111H0{
P.0• Box 70664
Charlotte, NC 26272-0664
lit {t {{n (at {111 tat{n{t {{{ 111(x{ 0111 {11{ 11 {{ 11111{11 {{ 1110{ I
Account Number. 4862-3625-9210-6416
Please print address or done number changes below using blue or black ink.
Address
Nome Prone Anemste Prone
address @
#10306124056604641, MAIL ID NUMBER
MICHAEL 6 BABAIAN
1s SUSSEX RD
CAMP HILL, P', 17011-6652
111111118{11111111{1m{11111111{1011111111{1{1111111/1111111
Please write your account number on your check of money order made payable to capital one Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BARMAN
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QWNWOW TAKE CONTROL OF YOUR CAPITAL ONEO WWII
` what's in your wallet?? ACCOUNT AND KEEP IT FROM BEING
PERMANENTLY UNUSABLE.
We're here to help. You can regain your charging privileges and bring
your account back into good standing by paying the amount due on
your statement.
Let's work together to bring your account back to good standing.
You can make a payment with our fig check by phone service
or speak to an associate by calling 1.800.955.6600.
® 2006 C.a;vj l Oree &rw&, Inc. Crpiml One u r federally rgrnerrd serwr mark: Ad rogbs nwrwd 500011.08503
FINANCE
Previous Balance Payments b Credits CHARGE Transactions New Belana Mininwm Payment Due Date
$610.33 - $0.00 + $15.36 + $29.00 = $654.69 $354.69 Jan. 03, 2007
rG.
Nov. 04, 2006 - Dec. 04, 2006 Page 1 of 1
11M FA' AT neAir TM AUG=
You're behind by four payments. You still cant make any new purchases or cash advances on your account. But
Visa
Platinum Account
num Acc
Via Pl
you can all regain your dneiging privileges and bhp yon amouret beds Into good standing by peyhp ON
ati arruount due on your stabmanb wilhhu the nest 30 days. Unfahmetdy, pure don't receive a sufficient payment,
Your Account information we may have to permanently suspend your d anghrg pn19 ' Need help? Give to a call at 1.800.955.8600.
Well work togetw to see what your options are to reWild your account lotus.
TOTAL CREDIT LINE $300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE R CASH $30(11.00 "Important Notice" Under to lemm we prevbudy dscbaed to you, your account is now dfgW for an increase
AVAILABLE CREDIT FOR CASH 50.00 In Anned Pxcsrtagn Raise Ws) 4a9ctive immedaldy. lbwever, CWU One has elected not to raise your
APRai ft does b. adeted led tya tdm MWYOUr le ? Capital ons reserves
the right b rain your APRs in the hihre.
Finance Charges (Place see reverse for ineporlert inionvotion)
Balance
Periodic C-%-'#V F NCE Payments. Credits b Adiustments
b rate
applied
Purdwom $618.65 0.06011% P 29.24% $15.36 Transactions
cash $0.00 0.08011% P 29.24% $0.00 1 04 DEC PAST DUE FEE $29.00
ANNUAL?ERCENTAGE RATE applied 116 period: 2924%
You were assessed a pest due fee because your, rnininarn payment was not r a&W by Ifm due date. To awW
At Yew Service 14004034M ties fee in be tan, we reconxnerd tlet you allow at kasst 7 brsrusea days for your mkhMern payment to reach
To cal Cwlarar Relaaaa or to mpal a bet or sbbn cad:
® Capitol one.
® Shred psy mnb to:
CapkIl One Bait • P.O. Box 7M • Cl WMK NC 262nd-0eM
A saw inqu4Ns to:
Capad Ora • P.O. Box 302e5 • SYt L** Coy. UT &4130-=S
6056 506 1 7 3 061204 FAGS 1 of 1 01BC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
cmwaVrl I what's inyour%AM?'
0 4862362592106416 03 0654690100000354696
New Balance Minimum Payment Due Date
C$654.69 $354.69 Jan. 03, 2007
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed ( -
Capital One Bank
P.o• Box 70664 11111111111 liege 1#1111
Charlott4, NC 26272-0664
111llllll11111t111111111/1l1HIlN{Ill/llllll{l/ll/Ilf111111{l
Account Number. 4862-3625-9210-6416
Please print address or phone number changes below using blue or black ink.
Address
Horne Phone ARemate Meom
F-1708 address 0
4903399240566046911 NAIL ID NUMBER
MICHAEL 6 BABAIAN
is SUSSEX RD
CAMP HILL, PA 17011-6652
u1{{{m{{{sum{lm{le{{111{{m{11m11Cur{llle{n{1{r
Please write your account number on your check or money order made payable to capital One Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BABAIAN
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I lwhhat_?s in`yJouurrwallet?• ?T S STILL NOT TOO LATE.
Your account is unusable. But, we can help you prevent further damage
to your credit record. Please pay the amount due on your statement
within 30 days. Remember we're here to help!
Let's work together to find a solution that's right for you.
You can make a payment with our f= check by phone service
or speak to an associate by calling 1.800.955.6600.
0 2006 Capital One Seaman 1w. Capital One it a federotly redirared trnw mark. All ri& served 500012.08503
FINANCE
Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Dal,
$654.69 - $0.00 + $15.94 + $29.00 = $699.63 $399.63 Feb. 03, 2007
Dec. 05, 2006 - Jan. 03, 2007 Page 1 of 1
nW wr AT LW fns Awaaa
Platinum Yohlre behind by five payrnems so we ve permanently suspended your c hergkg priviiegea. If you don't make a
Vim im Plaatlnum tinum Acc suflkkird prymend within 30 days of the Paprhod Due nets shown on the statement, wall dwp off your
amour and report the harped-off *Wks to the n0ord uerkt bureaus. Plows donl W Ihis happen. If you're
Your Account Infonnatbn teeing overvihalmed, cal m at 1.800.955.8NW. We'l work wtth you to resolve tis matter.
TOTAL CREDIT LINE $300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $300.00
AVAILABLE CREDIT FOR CASH 50.00
Finance Charges pieme a" reverse for knporiw inlortr.Uon)
appied b rate AA CHARGE
Purchases $663.31 0.011011%P 29.24% $15.94
Cash $0.00 0.08011% P 2914% $0.00
ANNUAL PERCENTAGE RATE applied this psdod: 28.24%
'Important Nodoe- Under the arms we prevbusy disclosed to you, your accord is now elipble for an irnaeese
lo Arewrei Percy tgp was (APRs) eNedive immedismy. However, Cryileb One heaended nd b rsheyo r
APRs ;fhb 6me. Passe be advised Bret B you fat to keep your acmunt lo goad sarhdi% WW One resxvm
the fight to raise you APRs In the fuhm
When 1'W Provide a dwdk m PBYmmi. you X*Vize us Ww b use klb,-M n boilyow dhedk b maka a
ens Oma ekukadc kad book hen Your accoud or to process the pgsnerd m a died uaroedbn. When we
use kdamatarh from you check to make an aadrorie bad tr, ender, fW& maybe wwdmn ban your aooount
as croon Be the same day i e receive you peymert, and you wdN not receive your check bilk from you financed
imstbton.
Payments, Credits 8 Adjustments
® At Your Service 1400.80.1.8677 Transactions
To ar Cuslarw Rehear or to mW a Ia. or skin and 1 03 JAN PAST DUE FEE $29.00
0 ? p*mrAs W
You were ameaced.
pad due fee because your mkinerm payment was not received by the due daa. To avoid
Back • P.C. Box Toast • Ghrtekk, NC 28212.OBBI
3OW
this be In the AAue, we recamrend fret you door at WW 7 bkhakhms drys fa you nininhum pryment to reach
Capital one.
3wid hodrin to:
CepkM One • P.O. Bar 30285 • Sae We Ck UT 8030M
6056 . 506 1 7 3 070103 PAGE 1 Of 1 OIBC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4862362592106416 03 0699630100000399632
??I wFrat'sinyourwallet?•
Account Number. 4862-3625-9210-6416
New Balance Minimum Payment Due Date Passe print address or phone number changes below using blue or black ink
$699.63 $399.63 Feb. 03, 2007 Address
PLEASE PAY AT LEAST
THIS AMOUNT Home Phone ARemate Phone
E-m if address
Amount Enclosed
#900049240566048141 NAIL 10 NUMBER
MICHAEL 6 BABAIAN
35 SUSSEX R)
Capital One Bank CAMP HILL, PA 37033-6652
P.o. BB>< 70664 IdhrllLrhrdlydrrll Ikkhlllrrdl6rrrrrlLrrllal6rrllreeLlrkr{rLrrlLhLr{hLl
Charlotte. HC 28272-0864
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Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BABAIAN
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COPUM1110W NOT PAYING YOUR DEBT 5"13
1 what's in your wallet!* DOESN'T MAKE IT GO AWAY.
In fact, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to
keep you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our ilk check by phone service
or speak to an associate by calling 1.800.955.6600.
Make wre you car a pay the amount due on your statement wft 30 days to keep your aanum from being charged off.
® 2006 Capin! One Services. Inc Capital One it a fcdrml y rgistar d rrrvice rnani. All Mhu ratnxd 500013-0115o3
FINANCE
PWIDUS Baim" payments d Cradlta CHARGE Trensactlolu New Balance Minimum Payment Due Date
$699.63 - $0.00 + $17.61 + $29.00 = $74fi.24 $446.24 Mar. 03, 2007
Jan. 04, 2007 - Feb. 03, 2007 Page 1 of 1
KW nw AT LIAST TM AMWW
Visa
Account
Platinum Account Your aco xag is sic payrnenls belft. N we charge
off your account due to We payments, we will report the
4862.3 charg" status to sews! national =& bureau, and the purchase APR as reflected on ft statement YAI
be applied fa all your oulsfanding balances. Act now to prevent this from happening. Please pay the amount due
Your Account Information on your ststemem or glue us a call at 1.0M.955.6600. VM work with you so you can lake control of your
eoo0unt and start rebullft your credit with Capital One.
TOTAL CREDIT LINE $300.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $300.00
AVAILABLE CREDIT FOR CASH $0.00
Flnanw Charges (Please see reverse for important information)
Balance rota Periodic FINANCE
4 WW b rant A CHARGE
Purchases $709.03 0.06011%P 2924% $17.61
Cash $0.00 0.08011% P 2924% $0.00
ANNUAL PERCENTAGE RATE applied tics period: 29.24%
"Important Notice'" Under Ina tame we pramaily disclosed to you, your aoomrt is now eiplbls for an increase
in Annual Panotage Ran (APRs) effective Immediately. However, C"M One has erected not b raise your
APRs at this Brno. Plops be aMhed that if you fat b keep your award in good standing, Capital One reserves
the right to rain your APRs in the Afte.
Pallmellts. Credits & Adjustments
Transactions
1 03 FEB PAST DUE FEE $3.00
® At Your Service 140404W You were amassed a pmt due fee because your minimum payment was not received by the due date. To avoid
To cat CuServi a as hepat • khst a sbNn wd: this fee in the k 6m, we recanmahd the! you slow at )met 7 business days for your m ninssn payment to mach
Copilot One.
® Send payments to.
CePeel One Bach - P.O. Box 70861 • CMAatle, NC 2e27&0864
Sad In*m" to:
Capes! One • P.O. Box 3085 • Sao lake Cay; Ur 84130-0285
6056 506 1 7 3 070203 PAGE 1 of 1 OIBC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4862362592106416 03 0746240100000446244
?,'? whet': in your waletl•
Account Number. 4862-3625-9210-6416
New Balance Minimum Payment Due Date
$746.24 $446.24 Mar. 03, 2007
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Endosed
Capital One Bank
P.O. Box 708x4 Irlrrlllrrhrllrrrrlrll
Charlotte. NC 28272-0664
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Please print address or phone number changes below using blue or black ink.
Address
Home Phone Alternate Prone
Bmafl address e
a9003S924OS6a04a3a MAIL ID HUMBER
MICHAEL 6 BABAIAN
i5 SUSSEX R)
CAMP HILL. PA 37033-6652
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Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
MICHAEL G BABAIAN
I. Hewn Avoid a rhm me Charge.
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have requeded am asoohem to be clad,
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904
relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this
Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the
Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within
the time allowed for filing of this Motion, and that the facts set forth in the foregoing Motion are true and
correct to the best of his knowledge, information and belief.
Attorney for ff
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in
Support has been served by U.S. Mail, Postage Pre-Paid, on ? day of , 2009 upon the
following:
Michael G Babaian
1024 W Foxcroft Drive
Camp Hill,Pa 17011
By: _
Be ?jami ibler,Esquire
PA ID#
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15215
C7 ?
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
CAPTION OF CASE
(entire caption must be stated in full)
C4 tom` (34U
(Plaintiff)
V5.
(Defendant)
No. > Civil Q.(( _(V\ ZL Zoo $
1. State matter to be argued (i.e., plaintiff's tion for new trial, defendant's
demurrer to ccaVlai nt, etc. ) : "Toh ? `?a- 5vd v-,+
2. Identify counsel wbo will argue case:
(a) for plaintiff: ?? Q - -e?
ress: 1? is 4?>,
Add ?
j? ?(-?- t5at?
(b) for defendant:
Aadress : ??'Z7 Sfz.
3. I will, notify all parties in writing within twO days that this case has
been listed for argument.
4. Argument Court Date : ,)VAZ 3 S ZOOR
Arz.
M
c?.
CAPITAL ONE BANK (USA), IN THE COURT OF COMMON PLEAS OF
NA, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
V. : CIVIL ACTION - LAW
MICHAEL G. BABAIAN,
Defendant NO. 08-4341 CIVIL TERM
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE OLER and GUIDO, JJ.
ORDER OF COURT
AND NOW, this 3rd day of June, 2009, upon consideration of Plaintiff's Motion
for Summary Judgment, it is hereby ORDERED, ADJUDGED and DECREED that said
motion is granted and judgment is entered in favor of Plaintiff and against Defendant for
$1,083.00, with interest at the rate of 6.0% per annum from the date of judgment, and
attorney's fees in the amount of $600.00, totaling $1,683.00, plus costs.
BY THE COURT,
? Benjamin R. Bibler, Esq.
Weltman, Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15215
Attorney for Plaintiff
'/ Michael G. Babaian
1024 W. Foxcroft Drive
Camp Hill, PA 17011
Defendant, pro Se
:rc
(2 LLL
s/ag
4.
VIWA"VSMGd
AWiMAl.Odd ad dO
30?;0-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA) NA
Plaintiff
VS.
Case No.: 08-4341-CIVIL TERM
TYPE OF PLEADING
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
MICHAEL G BABAIAN
Defendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R Bibler, Esquire
PA I.D.#93598
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 6712255
$1,267.99
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA) NA
Plaintiff
VS.
MICHAEL G BABAIAN
Defendant.
TO THE PROTHONOTARY:
Case No.: 08-4341-CIVIL TERM
PRAECIPE FOR JUDGMENT
In light of the Court Order granting Summary Judgment in favor of Plaintiff on June 3, 2009,
kindly enter Judgment against the Defendant, MICHAEL G BABAIAN, in the amount of $1,267.99
computed as follows:
Amount Awarded per Order: $1,267.99
Interest from the date of judgment
at the legal interest rate of
6.00% per annum:
TOTAL:
$1,267.99
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
By:
Benjami R Bib er, Esquire
PA I.D. 98
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
Plaintiffs address is:
c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219
And Defendant's address is: 1024 W FOXCROFT DR, CAMP HILL,PA 17011
CAPITAL ONE BANK (USA),
NA,
Plaintiff ,
V. ,
MICHAEL G. BABAIAN,
Defendant ,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 08-4341 CIVIL TERM
IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
BEFORE OLER and GUIDO JJ.
ORDER OF COURT
AND NOW, this P day of June, 2009, upon consideration of Plaintiffs Motion
for Summary Judgment, it is hereby ORDERED, ADJUDGED and DECREED that said
motion is granted and judgment is entered in favor of Plaintiff and against Defendant for
$1,083.00, with interest at the rate of 6.0% per annum from the date of judgment, and
attorney's fees in the amount of $600.00, totaling $1,683.00, plus costs.
BY THE COURT,
? Benjamin R. Bibler, Esq.
Weltman, Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15215
Attorney for Plaintiff
J Michael G. Babaian
1024 W. Foxcroft Drive
Camp Hill, PA 17011
Defendant, pro Se
:rc
?'ES rn?. t
? s/ag
?? 1225
BLED-4XFiCE
OF THE PRo'n-'nNoT4f?Y
2009 JUL 2b Pty 2: 4 4
FENNSYLI'???t?A
4 I4.oo PO ATT`f
Ck. 88`14 a8?{
o aasats
1Jcrk? 1?-"d
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA) NA
Plaintiff Case No.: 08-4341-CIVIL TERM
vs.
MICHAEL G BABAIAN
Defendant.
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendants
( ) Garnishee
You are hereby notified that t e following Order or Judgment was
entered against you on 6!O
(xx) Assumpsit Judgment in the amount
of $1,267.99, plus interest at 6% per annum, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent
Prothonotary
MICHAEL G BABAIAN
1024 W FOXCROFT DR
CAMP HILL,PA 17011
L HONOTA EP Y)