HomeMy WebLinkAbout08-4804N
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff No: Og ' q%oq Cwi
VS.
COMPLAINT IN CIVIL ACTION
BARBARA GHAFFAAR
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06792604 C N Pit CFR
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), N.A.
Plaintiff
VS. Civil Action No
BARBARA GHAFFAAR
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK (USA), N.h.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:
BARBARA GHAFFAAR
708 STANWIX CIR APT 1
CARLISLE, PA 17013
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX1776 .
4. Defendant made use of said credit card and has a current balance
due of $1269.28 , as of June 28, 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
19.900 per annum on the unpaid balance from June 28, 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 , BARBARA GHAFFAAR , INDIVIDUALLY , in the amount of
$1269.28 with continuing interest thereon at the rate of 19.900% per
annum from June 28, 2008 plus costs.
James C. WarmbrodtyX2524
WELTMAN EINBERG & REIS CO., L.P.A.
436 Se en h Avenue, Suite 1400
Pitts urg , PA 15219
(412) 434 7955
FAX: 412- 38-7130
067 2604 C N Pit CFR
This law firm is a debt collector atteriptiAg to collect this debt for
our client and any information obtaine w ll be used for that purpose.
Cap talOne` NOT PAYING YOUR DEBT 5=13
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 fW 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 vnithin 30 days to keep your account from being charged off.
O 2006 Capital One Services, Inc. Capital One is a federa4 registered service mark. All rights resrrued 500013-08503
FINANCE
Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date
$917.20 - $0.00 + $15.64 + $29.00 = $961.84 C$461.64 Mar. 03, 2007
f:•
Jan. 04, 2007 - Feb. 03, 2007 Page 1 of 1
KEA% PAY AT uAST THS AMOUNT
Visa Platinum Account
4862-3625.1543-1776
Your Account Information
TOTAL CREDIT LINE $500.00
TOTAL AVAILABLE CREDIT $0.00
CREDIT LINE FOR CASH $500.00
AVAILABLE CREDIT FOR CASH $0.00
Finance Charges (Please see reverse for important information)
Balance rate Periodic Co ng FINANCE
applied to rate APR CHARGE
Purchases $818.53 0.05452% 19.90% $13.83
Cash $107.14 0.05452% 19.90% $1.81
ANNUAL PERCENTAGE RATE applied this period: 19.90%
Al-tS At Your Service 1.800955.7070
To cat Customer Relakns or to report a lost or stden card:
® Send payments to:
Capital One Banc • P.O. Box 70884 - charlotte, NC 28272.0884
A Send inquiries to:
Capital One - P.O. Box 30285 - Salt Lake City, UT 84130.0285
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
on your statement or give us a call at 1.800.955.6600. We'll work with you so you can take control of your
account and start rebuilding your credit with Capital One.
'important Nobce•• Under the terms we previously disclosed to you, your account is now eligible for an increase
in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your
APRs at this time. Please be advised that M you fail to keep your account in good standing, Capital One reserves
the right to raise your APRs in the future.
Payments Credits 8 Adjustments
Transactions
1 03 FEB PAST DUE FEE $29.00
Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in
your Payment Protection agreement, your coverage and monthly charge will be reinstated once your account is
no longer 90 days past due. You may still be eligible for benefits to be paid to your account for loss events
described in your Payment Protection agreement. Call Stonebridge Benefit Services at 1-888-527.6904 to seed
your situation qualifies for benefits.
You were assessed a past due fee because your minimum payment was not received by the due date. To avoid
this fee in ft future, we recommend that you allow at least 7 business days for your minimum payment to reach
Capital One.
- Please Note - Some of the terms of your account are changing. Please read the enclosed notification.
qtr
6056 506 1 7 3 070203 PAGE 1 of 2 OIBC6056
PLEASE RETURN PORTION BELOW WITH PAYMENT
0 4862362515431776 03 0961840075000461847
?° what's in your wall Account Number: 4862-3625-1543-1776
New Balance Minimum Payment Due Date
C$961.84 $461.84 Mar. 03, 2007
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed
Capital One Bank
P.O. Box 70884 Irlrrlllrrrrllrrrrlrll
Charlotte, NC 26272-0884
LdrlLrLrddlrrxL•IrIllrrr6rhlrrLJrJLJrrlrrlhrrll
Please print address or phone number changes below using blue or black ink.
Address
Home Phone Alternate Phone
E-mail address @
#9003590983077486• MAIL ID NUMBER
BARBARA GHAFFAAR
337 AMY DR
CARLISLE, PA 17013-6810
nrlllorlllunnllnllrlalrlnlunlllluuulllnrlullr
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.
BARBARA GHAFFAAR
1. Horn to Avoid a Finance Change.
t a. Grace Period. You "I have a minimum grace period of 25
days without fiance charge on new purchases, caw
balance transfers, new spedal purchases and new, ocher
charges It you pay your total 'New Balance, in
accordance with the Important Notice for payments below,
and in fine for l lo be credited by your red statement
dosing deal Thera s no grace period on rash advances
and special berhefem. In addiion, them Is no pace period
on any unrsaciion if you do not pay the total -New
balance."
b. Accruing Finance Charge. Transactions which are not
suh)ed to a grace period are...... W finance charge 1)
from the date of to i arsisctionn or 2) from the data the
transaction is processed to your Account or 3) from the first
calendar day ot the cement boiling period. Additionally, If you
did not pay the -New Belari from the pryilow boiling
period in full, firsnce charges continue to accrue to your
unpaid balance until die unpaid balance is paid in full. This
means that you may, aadd owe fnerce charges, even l you
pay the entire New Balance Indicated on the front of your
statement by the nerd smmme d closing date, but did not do
so for the previous mcnth. Unpaid force charges am added
to the applicable segment of your Account,
t c. M innianm Finance Charge. For each billq pointed that your
account is n11}ad to a tnerce charge. a minimum total
FINANCE CHARGE of SO.50 will be Imposed.
t d. Temporary Reduction In FTearhce Charge. We reserve the
right to not assess any or all hence charged for any given
billing period.
2. Average Daly Balance (I nchMing New Purohasil
Finance charge is calculated by multiplying the dry balance
of each segment of your account (eg, cash advance,
purchase. special tranal and special purchase) by fie
cona spo dirg dry periodic rote(s) ther has been
previously disclosed to you. Al the end of each day ding
tone 6ilng period, we apply the dally perludit rate for each
segment of your account to am daily balance of each
segmast. Than at to end tithe bill perfce, we add up the
results of theta dry calculations to arrive at your periodic
Amerce Berge for each segment. We add up the mails from
each segment to arrive at the total periodic frnance change for
your account To get Me dally balance for seen aegmem of
your amour, we lake 2. begairki bWnae for each
segment and add any newtrwacaon and any periodic
finance charge calculated m the previous days balance for
that segment. We than subtract arty payments a credhs
pealed as of tW day that am allocated to Mat segment. This
gives us the separalo daily balance fa each segmarrit of your
account. However, If you paid the New Balance shown on
your previous statement In hill (or It your new, balance was
zero or is a ilk amours), new hansacicr e, which post to
your purchase or special purchase sagmerts am not added
to the dally balances. We calaaats fie average trolly
balance by adding all the dally basncec together and
dividing the sum by the number of the days in the current
billing cycle. To calculate your total finannce charge, multiply
your average daily balance by the daily periodic rate and by
the number of days in the biling period. Due to rounding an a
daily bass or due to minimum finance charge assessment,
there may be a variance between this calculation and the
amours of finance charge sctudy ass road.
3. Annual Percentage Rates (APRJ-
a. The term'Annuef Peroerdage Rate'rtey appear
as 'APR' on the from of the statement
b. If the code P (Ouarteriy Prima), L (Ouarterly LIBOR), C
(Quarterly CDC or S (Sw*..rd Prime) appears on the Root
of gds statement nest to the periodic aisle(s), the poniodic
rated and corresponding ANNUAL PERCENTAGE RATES
may wry quarterly and may increase or decrease based m
the slated indices, as fazed in The Wall Street Journal, pus
the mange previously disclosed to you. These ranges will
be effective on ft fired day of your bgimg period covered by
your periodic statement ending in the months of Jarwary,
April, July and October.
a If the coda D (Monthly Prima), F (Monthly LIBOR), or G
(Treasury LIBOR) appears on the front of your simmers
nod to the periodic rate(s), die periodic rams and
corresponding ANNUAL PERCENTAGE RATES may vary
monthly and may Humes or dacresas based on rte stated
Indices, as found in The Wall Street Journal, pus the
margin previously disclosed to you. These charges will be
etectlve on the first day of your billing period each month
4. Assessmend of Lists, Ovw%mk and Ranmad Paymsrd
Facts. Under the terns of your ctrsomor egresman, we
reserve the ripld to waive or not to own arty Idea; without
prior notification to youwithoulwaivi g ourdgfht to assess the
same a simlarfees at a latertime.
t S. Rersalg YourAmomd. If a membership fee appears
on the from of your statement, you have 30 days from the
date ttaa statement was mailed to you to avoid psysg to
fee or to haw such fee credited to you 6 you cancel your
account will having to pay the membership fea. To
cancel your accent, you must notty us by calling our
Customer Relation Department and pay your New
Balance' In ill (excluding the membership fee) prior to
the end of the thidyday period.
6. If You Class Veur Account. You can request to dose your
account by calling our Customer Relations Department. Voce
must destroy your co& card(s) ape e.-.t access dada,
ravel all pmaut prized billing and ceeae using your account
After your request to close, if you contlme to transact or do
not cancel preeuncdaed telling manger ems, wa we
consider receipt of a charge your asc horbadon to keep your
account open. Additionally your account will not be dosed
until you pay all amounts you owe us including: any
transaction you have authorized, than charges, past de
fees, ovedimk fees, returned payment Ii an adv-.
fees and any other loss saaessed to your account You am
responsible for these amounts whethar May appear on your
around at the time you request to dove the account or they
am narmd subsequent to yaw request to dose the account.
This may recut in charges appearing on youraccourht after you
haw requested the asp 1 to be doted.
7. Uafng Your Account. Your card or account cannot be used in
connection wlh any Internet g"Ifing trensocUOns.
6. Notice About Electronic Cheek Conversion.
When you provide is check as payment, you authorise us
either to use imormetion from your chock to make a one-time
electronic fund traMerfran your bank a co id or to process
the payment a e Medic transaction. When we use
information from your check to make an elections, Mal
transfer, funds my be wordrewn eon your bank account as
scan as the same day we receive your payment, and you will
not receive your check back from your financial Institution.
BILLING RIGHTS SUMMARY
(In Case of Emem or Oieofiww about Your Bill)
If you chink your bill is wrap, or If you need mm info n. ation on
a tmnciscien or bill, wrta to ce on a separate sheet sc soon as
possible at the address for inquidx shown on the front of this
statement We must hear from you w later there W days after we
awl you the first bill on which the error or problem appeared. You
can call our Customer RetNon$ number, but doing w will nor
preserve your rights. In your letter, give us the following
kdormation: your name and account number, the dAW amovn
of the suspected error, a description of the error and an
explanation, if possible, of why you bellow there is an arson, or t
you need more information, a description of the item you am
unsure about. V do not have to pay any amount in qu etion
while we are Investigating h, but you are still obligated to pay the
parts of your bill dear are not in question. While as Invesagas
your question, we caonot report you as detinquem or take any
action to col I the amount you question.
I. T Special Rule for Credit Card Purchases
if you haw a problem with the quality of property or services that
you purchased with a credit card and you have tried in good huh
to correct the problem Mtn the merchant, you may hew the rags
not to pay the remaining amourn duo on the property or.erMcae.
You have this protection only when the purchase price was more
than $50.00 and the purchase was made In your home state or
Milan 100 miles of your mailing address. (If we own or operas
per merchant, a t we nnled you the adwrdsenant for the
property or services, all purchases we covered regardless of
amount or location of purchase.) Pleaas remember to sign all
comespondence.
t Does not apply to consumer noncredit card accounts
Does not apply to buske.s rercmdft card account.
Capitol One supports information privacy protection: we our
wabs he at Wwm esptUODM. .
Capital On Is a federally registered service mark of Caplal On
Financial Corporation. AN rights mderved. O 2005 Capita One
01806656-6-12ai N6
Imported Ndlp: Paymess you mall lo as wd be aedM b your account as of the sales days me" IL provided! (1) you sad the
bobenn potion of tits atsamnt and your dledt in the arndwed amaanm envelops and (2) your paymart's mooed n scar processing comer
by 3 pm. ET (12 axon FT). Phase alowatlead fle (5) hudms days for postal delivery, payments anted by us of dry ova lcm6nn or in
my enQfonrn may not be i adsd nclass day we make tam. Our business drys as Monday through Saba. esdldYg hmldays.
Please do eat use sbplon, papercips, at. wile Wee- g your paymed.
A
VERIFICATION
CAPITAL ONE BANK (USA), N.A.
vs
GHAFFAAR, BARBARA
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities, that he/she is, 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
4862362515431776
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
t "' 1. 29, 201
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-04804 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK USA NA
VS
GHAFFAAR BARBARA
MICHELLE GUTSHALL ISheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOVICE was served upon
GHAFFAAR BARBARA the
DEFENDANT , at 0008:00 HOURS, on the 16th day of August , 2008
at 708 STANWIX CIRCLE APT 1
CARLISLE, PA 17013
SALAHADEN GHAFFAAR
by handing to
BAND OF DEFENDANT
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing is attention to the contents thereof.
Sheriff's
Docketing Costs:
18.00 So Answers:
Service 5.00
Affidavit
Surcharge /
g14lD9
01? .00
10.00
.00
R. Thomas Kline
33.00 08/19/2008
WELTMAN WEINBERG & REIS
Sworn and Subscibed to By:
before me this day Deputy Sheriff
0 f A. D.
I. %
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
vs.
BARBARA GHAFFAAR
Defendant
No. 08-4804 CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06792604
Judgment Amount $ 1,312.27
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
vs. Civil Action No. 08-4804 CIVIL TERM
BARBARA GHAFFAAR
Defendant
TO THE PROTHONOTARY:
PRAECIPE FOR DEFAULT JUDGMENT
Kindly enter Judgment against the Defendant, BARBARA GHAFFAAR above named, in the default of an
Answer, in the amount of $1,312.27 computed as follows:
Amount claimed in Complaint
$1,269.28
Interest from June 28, 2008 to October 07, 2008
at the legal interest rate of 19.90% per annum $42.99
TOTAL
$1,312.27
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: (/",,,
William T. Molczan,);squtre
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06792604
Plaintiffs address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7 h Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 708 STANWIX CIR APT 1, CARLISLE, PA 17013
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Plaintiff
VS. Civil Action No. 084804 CIVIL TERM
BARBARA GHAFFAAR
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or Judgment was entered against you
on
(xx) Assumpsit Judgment in the amount
of $1,312.27 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
( ) Court Order
( ) Non-Pros
( ) Confession
(xx) Default
( ) Verdict
( ) Arbitration
Award
Prothonotary
By
PR HONOT (OR PUTY)
BARBARA GHAFFAAR
708 STANWIX CIR APT 1
CARLISLE, PA 17013
Plaintiff's address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7U' Avenue, Pittsburgh, PA 15219
1-888-434-0085
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA), NA
Case no: 08-4804 CIVIL TERM
Plaintiff
vs.
BARBARA GHAFFAAR
Defendant
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant, BARBARA
GHAFFAAR is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (DMDC), which states that the Defendant, BARBARA GHAFFAAR is not in the military service.
Further Affiant sayeth naught.
SWORN
of /U
AFFIANT
BED in my presence this
dad .
1" day
NO ARY ti Or PENNSYLVANIA
P coromo rALT
Notan,-M Seal Public
LC1tyV\ endy L. Gault, Notary
Of Pdtsburgh, F heny County
ommis sion Exhirl S ..luly 15, 2010
of Notaries
Member, E'ennsytvan ?^ >?'ation
This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be
used for that purpose.
Request for Military Status
Department of Defense Manpower Data Center
40 Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 1
RJL-02-2008 12:34:11
'K Last Name First/Middle Begin Date Active Duty Status Service/Agency
GHAFFAAR BARBARA Based on the information you have furnished, the DMDC does not possess any information
indicating that the individual is currently on active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information
that you provided, the above is the current status of the individual as to all branches of the Military.
Abut -40?014-
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense
Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military
medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§
501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands
of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced
a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any
manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the
"defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this
additional Military Service verification, provisions of the SCRA may be invoked against you.
If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can
submit your request again at this Web site and we will provide a new certificate for that query.
This response reflects current active duty status only. For historical information, please contact the Military Service SCRA
points-of-contact.
See: htip://www.defenselink.mil/faa/Dis/PC09SLDR.htm1
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:BKBSWBUYHAU
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 7/2/2008
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff Case # o?- Ovll-kq
BARBARA GHAFFAAR
Defendant(s)
IMPORTANT NOTICE
TO: BARBARA GHAFFAAR
708 STANWIX CIR APT 1
CARLISLE,PA 17013
Date of Notice : I?
WWR#: 06792604
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
J? /?4flW?ej4 1805'"_
BY.
PATRICK THOMAS WOODMAN
PA I.D. #34507
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 KOPPERS BLDG, 436 7TH AVE.
PITTSBURGH, PA 15219
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