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Home My WebLink About08-4822s 2051953 THIS IS AN ARBITRATION MATTER. DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 ASSESSMENT OF Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA 7 Skyline Drive Hawthorne, NY 10532 VS. DEBORAH A SMITH 17 QUARRY HILL RD NEWVILLE PA 17241 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. : ()$ - 41$oll CiVi l (?erww NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGEMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT IN CIVIL-ACTION 1. Plaintiff is a debt buyer and successor in interest to the original creditor as set forth in the caption of this Complaint. 2. At all times relevant hereto, the defendant(s) was the holder of a credit card, which at the request of the defendant(s) was issued to the defendant(s) by the plaintiff under the terms of which the plaintiff agreed to extend to defendant (s) the use of plaintiff's credit facilities. 3. Defendant (s) accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the plaintiff for the use of said credit card. 4. The defendant (s) received and accepted goods and merchand- ise and/or accepted services or cash advances through the use of the credit card issued by the Plaintiff. A true and correct copy of the Statement of Account, if available, is attached hereto as Exhibit "A". 5. All the credits to which the defendant(s)is entitled have been applied and there remains a balance due in the amount of $5,763.52. 6. Plaintiff has made demand upon the defendant(s)for payment of the balance due of $5,763.52 but the defendant(s)has failed and refused and still refuses to pay the same or any part thereof. 7. Defendant's last payment on account was made on 08/30/2005. 8. Unless the undersigned hears from the Defendant in writing within thirty (30) days after receipt of this Complaint that the Defendant disputes the validity of the debt, or any portion thereof, the undersigned will assume the debt is valid. If Defendant notifies the undersigned in writing that the debt or any portion thereof is disputed, the undersigned will obtain verification of the debt or, if the debt is founded upon a judgment, a copy of the judgment will be obtained, and the undersigned will mail the Defendant a copy of such verification or judgment. Upon written request within thirty (30) days, the undersigned will provide the Defendant with the name and address of the original creditors, if different from the current creditor. This pleading is an attempt to collect a debt and any information obtained will be used for that purpose. WHEREFORE, plaintiff claims of the defendant(s) the sum of $5,763.52 plus applicable costs, interest and attorney's fees. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE JOEL M. FLINK, ESQUIRE Attorney for Plaintiff P01A.DB VERIFICATION FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the attorney for the Plaintiff (s) in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. -1? FREDERIC I. W INB G, ESQUIRE i DDS zp? fit n Cg 1i AM b II i S sit a t ? ash lsl6e ? ? ?s??E i?? a F??a ??• t ?? D a lit Its = Ear:tr?:r w= ? 1 H i1ills !£i?Ffba IL 5 =ta ??,t??p? 'Yj?bD @ wt w , Ulf- ?? Alt a z#$ Et f a a! ?_ #rtt D ?[ °? Ills t i Jig ?Ai.at 6 s s(# io a a sn $IIS1 JIM -, In JOIN a? ;;tE It it =R ai t? ta??? is tpfr $ a 1 rt 11 del # t ;!i as fi ll of I flat fit b f6 MIT 11o, ajgt 6b s3E H is 2 111 2 a;tally _ It ??bS b _ I to o : It's .11 tv L t1#?g' Its g{d; i`s Accour is Nurnt-r• r: Your c ano-. of r. New Br.iancz Tots! Crechl Line Cash U O' Oyerlimu A.mourt - Minimum F'ayr:;e,;l r,t,p. 24-Hour Cstsire: per' (., For Lost o! 3to19n ,•r;, s. .a:. : nt 3 7.42 73'.00 5/05 Fav, a Yz Dtv Date - - - , .); , VC5 ?a:C.? .. ,?,-t: vrr•s,•.Na:;kntatreii;??.com Transactions rl: r. •:ra,i: xy;::rbif!snnlir?eat?o.v.a.b?-1;: ;ncr.;: :om. POS7. '-l7,,:d5 W1F. .. .. .. -, .. ...MNJUNT DATE C•n ,.. ;j;, '@-CREDIS AY030 .t,,-.:, ?Ci•. ,. ,.=: .:. -, i _.. --- - '.. .: I.S•xCn £.75:7 ACCOIr:+. s 1SCfi''t Previous Purchases Cash Aai ices Other Deb>.,; Credits FINANCE CHARGE Paymerds New Balar,rn Finance Chat= ^ . .- ...... .e.rr , ur?:vznwx :.. .rr. ..c••.?nw, .. $4,561 ?t 31.00 59,00 $0.00 $0.00 $75.27 $100.00 $4,`x12.58 nxr .• ri:ilt P'; : r?o rhly 4x11 Ayerep_ Dnily ritnimn i ,rr71 ----- - A P- !'o:e Bnlancc (ADB) iodic ; hntpa Purchases; t 5 !•:0`f v D bF 9.57 '_ -1.50 M Cash D $0.00 ti_ C'0 P Balance Ti_nsrw D $4,456.18 .:.77 P ANNUAL. PERCENTAGE Herak tJ America -'*' 0;.s i:,cr Corner CGs i ; C'i5!1258 4881111,03:::,9023983 payrnent Coo n t3.? nl.'; Ar c :r t Number 4888 80321902 3983 P8y-,1;At r AM Date tattros t, It'll ( r:•: i.llnimum Payment r?i;e -- $85.27 Hey WdLance: X4,542.58 DEBOP-%J: A F' - -;'i-i A i ,unt Enclosed .17 RD 1:.100 k cr nwn.? , ,J r on.-Male Bank M-Arn nca. -• .. •. .... .a t'• ?,, yn.•slAtCI: RY.rdnl urtti, c:.:? i'n?p•;: >r+a: cR ;7M:•. lMPORTAM? IHF4iLi,t6.Tif, f' .!i ?Y;?' X40.' : ?'',di{s: FINANCE CHAxE Anaval Pert.ortag,e R-•, Refer to the :•T'wil i ":: T•'r• e . ... ,''L.: . . ::,rp.., ., ?.-.r .:; r n,nent races. n •. ...•r: If your staa:•c:!ai.a,:. infbtedhoc:at:• nskr t .r .. ' r.hia,aih over a t2 aro•'ih n F a! !': - u. r' f i:., : r•'p. .;Ir,d;. Gram Pere; e r 1;-m ^::. I. ? ? - You tan ara•! -i,r -• r.! "' c.,r•nt A Your Prev" • .Flt,' ., .. of the New 8:1. ,. made ycu: "h. tact. dtarge on :a.,. purch• , . '! Ilwc P. no time pc,fi'rl to I -•y tot: ' , .,:I; • There is nc ':C?LaS-; ice: .:,...,.. . !'. .. Perbdfc l:e-a (Intdrdlrg : c n.r •; ra:, .... ,. For each day ir, !h, 0;141.. [::c ... .. .. ... :: ". -, ; ::[ a,;• •,ti: trarrsuclbn: a .7i;r: ? .L '., ? . i• . , .. •, w .•,' •, s • t any payments vr,,'.h:r :•e.; ? t.u'1;{ h• , this Daily Ile'', ,:c-•' 1',a ih. r .. ::; ate for that dey. ?A. voce :It 1., . ... ... ... .::1'.: :;ct the beglinix,. ...I ,v: r.. ,. To get yoe,r iarr ; ri :... S.r 1 : •1 vii r,E tt.o ' Daly Pork-Al :i:a,:rr'.F,: tt-•!d. lath amount Is all :• r•:p..i to r .., •, . • t.:;, !;. '.. t r; °• , . !:. i zie f p.!r rate times :ha •q:0:.,?: ... L•t .d :?:uil•.••t Lent. Tod. i :: rll'an rm r. r:'-', _.. '. :. , '•:-..If .' .. ;?' ?..' "0.'i'•-i Ali•I dlybe by 1G::;::rn6ar vi J. ).: F::, Cq We do tM calrulttviu ser,;,r,r• ; ,,, >;,.' u:. . I,. , n.: ,•s, raah Advances, -!W;once Tr,rsSSh; :-r M!: •r••,!'x it a=,' .r,:. , vh!:i: i' • `.r•,°,ir:• r.'hargas begin to accrer, from r'/^.:ztr:i n' ,i^ ! •:r• ao f cr the Statentc•ra on w1w:; ;.;• tra::•;. Accoaat R6.trwa! la:Craia:f.,u : ;: 3pe.: J • .... 11 your accottui hat an A:,w 1; 14 • v:• Ui sal , n :- will reverse the 1: '1 yuu : <: ..h!: .': nx v4hin 30 days of m:cip:o el.a`.late;-:,. .. .. 11"A ?:muiahlc. You may con :e+'c :•; ,r-; !11 a`, ;r !' • yo t cancel. Too ••r.+l ,mt• ... ,.., • •t." .... : Glu ensue number al J.r irr ra, YourUatil -• tArr recol'ri, : ilol', I;td: v,r c . .. ,: an... .. '•,C S,rr a •:•t ii'b arroant f your nary.. s a ... : e:rtt?l. Report aL+•?tnrGtoif,:,:,':: .-t.J•a' •. GI the 2•: knw top, frra oast: : 7... ..nt ue ri.;cn3 a.'ler you report a L:.' or sled:: 01tr4holder sxurity:•!,n"' / Payment rtr.t!•:,;bs pin If you hm'e qu.-400n! your enrolintaq ci t0 tilt for be::nft;, pkasa car ate app:axire to" f n umb:: r below •'-rr.aay, 7:00 a m. -10:00 p.m. C;-th'al Thar)* ca:'1+cJdc .', r•I!yP; • :.R?R.i5d.G93F; ?r '•otectionK.- 17,:l I: ;arou:.4.1 eaR;tq D'.*! i:m ATS l "ire.d » 1, cMo for the cotw*i are In and dial %':2.tI0:.. ?i'•. for i'-I of awss codes ,.:;i ?• _;.h?nkotameriry?.:nm/rantrr atxr •.elect "•ew:a ('at '•;. f.m mry also all tie r•.lik,: it 1.757.677:1.'01. Sr!• !ce t tr:ariu:t :• -,;rad {TTYJTO,'t) CU Hact :r,: set •,ice kv Le l.:¢anng-im!sMcd at !A,3.272.7365, Par on-t!n i P : JIOfb,. •1.nJcdanwlo.eo!ti ur :r. '! your payment to: 11! YT OF !-Pfc RIGt, ` BOX 1753, N1YrkCtt. , :+T 07101-1755 5TA-;xpr _: -,74M... '' ARE: a, i `sa n' !:!'.ra e1 1,114hfes that!, •?::: bit! - .. • n4, or bit you trace. ;i;,4,. s!orm ition about d & .1 1,mr h';. ;'-b aLI w*fito .FL!I?.1warsAseeM)atPl?Bur L ze?y1.--; i•;x ';1_4.....,'K7•rl,sooa as noo_ih_:,^f'.L We r, hedr c •o:• .. than 60 days after re, out you the first bill on which tLr ;:ror -.: i.x l!k:p rd, In your lefter, give to the fofosving lnformatian! i;.d01i'-...,co;[A sulpectedcrror f%, .cr0: !..- . .vr r. ! • .,:lain, if you can, :rl,r 7•: a believe them is an error Y`!; •!v nl I:,. •; t,, P- amoant In geest:on while va are Invesugatlag, but y(•:t -rr s;,:: a'r-'•.alc^i' ,:'.y the parts of your A:hat are not in question. Voille rr(- ."etst:!>tr rmr 6,;;c, roe caaaot repxtis delblquent or lake any Wiry to, niti ,::1:,? a. •. l; you question. Sre:iaf Rt tw Crc•';;. rard Parchaaes II ;ou her;• a probten. 'A the qualty of goods or strvim that you purchased vrlth a cre,JC r. rt, Art: t, .-I have mod In good faiIJ, ro correct the problem with the nerci ant. • ar tna, rot have to pay the romaitwig amount due on the goats ors.,tth.c, Yvu hair -? •nmteclbo only w9en thr purchase price was more t'Lan +SD,: •d ;!.:: ps;:•. • ; wat made In your home state or within 100 miles of )•Jar rrtail:r!; a:?sraes ".. m otat or operate the merchant, or if vve mailed you the advr:Hise,r,tW! Or I IV- ;,",:r.•ny or service, AN purcNa-s-4 are covered regardless of tb?•arla::t •r..oczGr,.• .,nn,•hase). IMPORT ^.Nl' _'1 ii G IN'FORMATI0N i ;I_G)!. 'jD BY FE1)E^ \L LAW TO BE DISCLO'?'- 45-DT' '' WE MAY hEPOC ;' ' ,[ !R ACCCaIlA:1' .0C. : BUREAUS. LATE P AYME? TS. rout^`.;F J-FAULTS I-f Y0 L. .-1-CCOUNT MA" BE REFLECTED IN YOUr--. c: adrk:us .!r.h ):...:: , : -c,r F:;a v xw.harkott ':,?I;! X) 731.9199 or wdM yoar ad,!ress cLar.us f1e++?] i2fio .. i:?'c•r:. :,:1. r a •. ; . , ,u ;, ., .,' mtrr':ar to zrtsure acccraL pl'cr, •sr:r,y. A ,,drasc N.-.,.'Ain .r• .,. .... • . ..: in. -it . •aa7 n •mmunic.,t^ e`Na 5'; . `'t' eh t ..: m: l 6:'• t.•?;h rrwfit ._ •r-r'•c• ar. + tg' s ma11 11K N':: or' k)A '. '•lr Pt coupon and re.Civ,•? N is It. us r, ar.•, „.• 1, , NE u :h+ trout orthe P.J. Co.c : :r^, W, jt;eyad I.:r? ?. ? . .! ail other paymcnh in. nN•.; d a rhpck or mov-e, ordr, Ytr.:-:n :: J tan on a financial hr,'Invi:w e:, i'r6 :. '.',+ • .?.:? : • ,:- tt; ;^ h., e.Mrtfonic fc•rls trrrrr+:-• hrw. ::r rash Peyntenh rray M• I DEBORf4 I A. 51F: Accouc 3 Our r r i-1r v1 i:i New Total Crr%lit !_::a. ,' : •' '7 :..;..;I^i io c: -eclit "s32.6 9 Cash LUT. l:°:i1I: s Cash :32.00 Overlim! Minim: ? ' : , •. r : , , Dr:F Date s 0i0.5 24-Hour .. crr.=..: 5.; P- ..nll , . ;A .. For Lost ;;>!r• i:' Trans ill nine at F'•' ", br: . r aGr. . u r. DATE U, MOWIT >•4. ZEDIr WLV 01 Previous E'c'anca $4,57; .;1 Purchasef V).'ej Cash Adya iV Other V.".Y) Credits $0.00 FINANCE :. rf.Srtii $f4.70 Payments $85 .Y1 New Bah' $4,567.31 ?t? Financ.., Cher, ter,--xx,:•uf•:--v-.. ,.--. -. ... _... ,.err,:,.. .•?;.. -vanes ;ndx+,!dy(M) AvcmUc 4V ','inim: w!); Ar,:c Ealance r4D8) , r .i:dir- f!' ', harge Purchases ( .;ij?rri V i) V2t3.2: -10 P Cash D 50,0 r, 00 P Balance •i, .s)cr ...._._ _ .. _ .. .. --. _.. _ =v D $4,71,' 60 P ANNUA, P(7R('!7 d - ' ^riaGle C7;Sa;73b ;$&:;>:l.J?'.. ?Q23983 _ Pftlnw Ca, BK;-: A{•.L' ount t'Jumber?4888 8032 i902 3983 Pr'. ?0 17S: Due Date 09H0,05 Minimum Peyment Due $84.70 frf..,! ..l ... ,. ?... ,:i•...:1.7'!lt/ililtt!! ._. __ .._. 3A hoe: 14 567.31 :J c:.nt Enclosed L '.7 .. f. ...:!,cal, or nu ne`. nr,le, f>; Kahle to Bard; nf:4naia,. ..? ., ,.. ..e:(tfberr,..rtlu+C•r_....Y7-a• _idu,?ny. IMPORTA'i': i:VS:?Rh'r; •" ?1.... !+!1" FINANCE Cii aRG_ Annual Pti'-.nt3ae' : :.i. .. rates.:. :•%;.. i% : If your slat,:mm.t 7:.. '. ... .. ... .., '. 'lli.n',!' inflated ben:. ra s aun' ; 1: ! (. - i. rc M over al2•n:.ath! •r4r.. trwelkKOachVfw You can arri :. :••1;: r :?,.. - : ,tzon•nt a your Prm•!r1a : k is n; : -!Wl ntt cf made your (.::.: 52 I ;. charge on !I::•. m-0:1'. VIC o :. no time Pe f.. _ to Ili:...!.. :• There h n', ,, ...v,... ..:. - } . . Periodic F!; ;-uc., (IrK111dina for each cla• • t!!e Eilii -, 1: ±, +1y nr v. transactiol:, r;ih:r : paymoPls kr ! tc::rrdtC . : i a: la:u this Daily 0..f , , Go. . for that day. N.: ,to .. ... !: „ . _.. .. : ret the begutow, :.l,L!!rg !t. .. :1 . To get yorr t r:. .. t ,. r ' :a: • ; C rd the :.. • l !..,, .••! Daly Periorl:::h 'nr. 7t:n Amount k ?: !' l: --4k rate times t.. n,. ... , " rv c f cent. 1ada. , :,6, .. ' ' divide try d•c :-wli •1 -J. : r ' We do thi: cF . laia n ^ +r,.r.l: : i, -:cs :sit Advances, ..:ace rrskrr or It , '!r:: •:. ,f^ 1} ,.:: ChArgr:s begin to arc- :1.6!,nr It., :1-ti. ,t r•atr• )f the 5talenici : all Account Rc s-.% ,« f If your acc4u•i 1! l Al: .. ...... .!' , ' ,I r reverse rbo 1: - J ! i ,:,c :nchin 30 days of a -,Il;i of 0; p.... .. ' - -4 Ito tbk:. , You may (OfALIi::• to?r. '•6: .. ',r; .tp: .... .1o:•.•: ot cancel. number en G-cmr. Yew IJ81-171- our records, •:yo:r i;t}: ,•..,: `•1. ••1 '•rY-. mcoull, Iyoilruar..r-, ,:, .I, ;.!r.... sr ,h:r, Report a U. A,: ar St it r' i, Catthel'.-W:rrtxAircrrr,a: t. ., r n::::::.rtzftc'r you report a'•:=, r r;to;',n , Cr3tIOF'tr5::ewrf "I:RI1 Patr.rem^ ^w'..' -.1 Pile If you have ;'•tiars: vaur rlxoibn^Ir• ,:: •• a to file for be- M!ts, please tall :.'.:. nu+n;r.•; hc-hw. J;; ,:. 9,: , : :•iay, 7: D0 a.m. -!Q:00 p.m r-;:,.,.:?:. .,,;n!- .:5.°Or?r:.?q?;:I,. ! •,•.;,rcrtbllPA', Sr. rrke ? :, ,r ' ' . athnq . • fP.:':rcr :. lwt: ,• -fkforthccc•I,:::n.,r..:?reInandCil 1 ;•rr - of as ss codes r,•: _! titplmfamert:a.c 'cola tm: is . .. . La; :' 11 nla„ Ollie, Gift u: - :.;I •., , t 1.757.677.1: P1. 5•. :ca r"r.. :.ked tITlJTJ%? _ ,>•.: 222.7365. Pny c.n• 1-.: 1,r X61 "! ii4fA0141$9d"i., ur ::. ,;; your paymert to., 9 r('"f Or :. ' %TV " BOX 1733, NEV3, i(:::••3 07101.17Sti L1 asc .. ::±( c! (.a Inqu!sics If ; ra •ilil:; ::, U! , ng ar it you iwc) Incr., : l wma%n about a Irr,::actn,.• •• •a !r nFl •:•n may %-.*e to us at fir Pot 1390, Norfolk VA 13,1!!o. ;.4 t s ;:, ' , c Ccstomer Service llutccer on the front of the filing M0 •::.;cu, uatify :. : -file at lytyny.dnkMarllr_: h.com. Ville must hear from •s:n :r; tale' Put) •: ,' :aer vn. sent you the ;!rst Nil on which the error or :d, ],r 'our .c!' :•r a; • • :bfblv5u3 utlormatii.a: • %twl wd:•' ., number Drs, , . 'I"; N.,-, , •' ezpi-ln; I you nn; , •", you believe there 's an error. k y mcc. ... • yaCnn, describe. the i 0, von are wwc•ro abnui, I r.-; ',r to p.- - owc•unt In qucili- r1:"r. are arc investigatbtg, but !,P sh:! .'"•!.^hIF? ' !i:P thr. UMts of yr:r, '4iff t..,: are Ilat in qu-stion. Whife IY^: hl:cst(?,1.: ;l:ur ;r! KY cannot reaw'. y:, •J as delinquent or take any WiC 7 to .:i;:(,.'. 1110 al' 11a you Ollestion. S.lk Jai i :ar C. e• •` :aid Purchases 13 :•.t ;.r:: ; : )i4 -, $c quaAlr of goads o wrvlces that rew purchased 0t1; a cr.•'i: ;.'-:d, an : -: have tied !n goad fat) !r correct the problem with tl•,• -nercl,r,:; , ,,el I•ave to pay the rarnaWcig amount due on the goods ur :,!rvkr;. 'n: •i h.: rr ,• pmlectLon only ro::nn V.- purchase price was mare than s50 •.,. ! !' c ;xi,-. ..; .rite made in yn: r ho:r a state or within 100 miles of yact maim 'Tress •.i :r owll oi operate ibe we chant, or t we makd you the ad,• tsar :'n: ! ,r tt4 ,, ;.ty or service, all our h lses are covered rcgardicss of the -now,:.. ..crrhasr.). IMPORT 'NT "'PF")1 i .,+. LAW TO BE D1SCLO::;Ld TC- Y? :l;_• EQI ; QED BY FE('E R WE MAY ?EP()F;':• :i ;€ r'•; . ,Ir l: r '':7i)k ACGrJUI'y i'O.C.::: DIT BUREAUS. LATE PAYMEN. S. ?rl'::? ':: •I:: .,'• ;:._R ;?EFAU! 7S :: fw; YOt_ "; .;000UNT MA`:' BE REFLECTED IN YOUR C RED, f:.:,:J?frc:::.!i:ai;_'.,t:.: '.:: ,i,.:: .,..?:::n'?"7OSaasCE:u,'4:.y.ca't:'.::r'•.i32.919?orwateyour ` ' t ir;l i C! •: ilr.::l:l:•:. I • , , .... `:L• .? , ..I::, '. I -mliar to ensure art:l.:ihl prC:'^r alg. Iqlap, !?; ,:o,ni!r;.••. • a,. rolnfmini.:;r.IVN „ell:, :.root. till ,. ,' ' ' ? ' , • . ay a: it is m3le" •: ith t' } 'nn1 co,:poa and Iecr:ly •. .., :R ,.n'+tcr tl%. ::,' . .r ... .. •. .. 4:.e ;:?i'.• Ir'.'rrt Ortncrt?. :Ion a.;:,,r. 'rlxli ;, all other paymFails ma' is r rhvc'ri cr . ? ax , ., , r ;n• .: t.",.... , t a drtck or mrt:x} art-, dollars on a finarc a! hsliratl-n b,: t , ,v ! : c r: ; r n , :: y akrtrotlk r!aL tr: ac,++• ; i1o:•, sh pny Weals m y h4 ' ,I,;.da ill 16.7^. a - ... I DEBOWV Bl ,, Accour.? 3:'A3 Your r.>, :,• F:r New Fj;: ; . . Total Cr, ;; Cost) Up %i:v l'E511 2 0 Ovetif•??i•',•ct.!.: ... ::,P:,: ;.rye ,.••t" Minimur • Cr:: Date k,r 0&)5 24-Hn!:r onCrx; .3?t .. .... For Lost, ';!;:?.. •... Tra ns, : <:r : ; : u ?I,rn? at t• : ?.? : ,rr::,.. .:,,. PCs- ? DA-, E N, .. I Y. ? V eLrr ? + ` : •<r Jul •.d .., ... .;'?: r:._ :.- _ - Previous 5a;a,a $4,51 .`i5 Purchases UJ. ] Cash Ad•:?; $",()U Other DeNis $3- 030 Credits ; $ UC FINANCE CHAP 3F $35.48 Payments , $1U.J0 New Bob, a Finamo- ,-•?•. 'I • 'a•,•:,!I :f Avorol• Dnly YGnim . Ip Balance iADBi .-%7: Wit 'Imrge Porches D S.?- ,xP Gash r.:- ".v •'G.OG ?J P Exp $0.00 ;L.CD P Balance, D $3.01 ± 33 P America Cut-wr A; t• ir- .Get, the Introductory Ralc ,•:•r iris acoouM expired on Juiy i "'K5. This Statement re°:ots x •r ance Charye,, at both the Intr. o,,tory Rate thn,ugh exr•imir! -,,nd at the rate in effect after See revorse for Finer•ce ,_:-a gecalatretion tre; • e. 0 157761 i+e364F -,031: ..''023983 ... meM C un: Numbe_r Gd88 8032 1902 3883 :::rd Due Date - --08110105 !.11mirnum Payment LXr,~~ $84.46 Na. •;?a±ance: 71.51 1 ,nt Enclosed :h.•,a: oni?,m.:• o:,rc'??.?ahktollankuf.<merica.:: ., srkm[r,: :. •:i;qr.:........:, ?:nn oat,. It1PpRTI.?: F 1t't: f1Ri•'<t'!!' i' FINANCE •" '"ARG?. Aenuet Ps .. , "'>r :, r, . .. . . Rdertr. tt '•.rn? ?' . rates. A "r'' n.., A your Inflrted bc.:. :•• rrc .r: ;:,.: F•.: ' , .. . overt 12 iw.ri!: Ixro:t. ' ... :, Grace Pe. YOU can ,7c. `1 4, f ihN-.- .. C t.., r,; .... your Pmrk>,;:• ol:! ? 1:.::ir . . the Nety r7d:•.. 'u- charge on Y..:! sro. 4 no time Peti'.,• t•m ., ,, Y:, There ism;) % rr; r ,:r-i',f i•.r For each (%i.- rhD n i,!-:• transactions .., :•fir. d:::.' ; n this Darq 1%.'...:w !q I::. for that (fa, w, ;: ',' t:, , , • . the begiiir a., ' ,.....: i. :i;r : . To get tout ...?. Daly A-dr.,: . ammmt k «:........ f late tkneg fr va,; Ont. Tor' ' ?..a.:. i divide by Ili. . :u'=•, Advances, begin "a theStater!n,ft nn Accoeet f.cac'arrf tnyor r. N youracua •r• I.: ' a,,:::• fw., .. reverse th) Sa, if yea ca.<:i 30 days of I , 11A )f t!:;•. 't. •: :. You may cb tinur•'r, t•r,c.:.r : cancel. lo:arcN, miM: v .. number oil 5:c front. Your UnbT - Our rill E your aaa'r•_ h.:N^, a:T ,::• ti;C !•::, Rapert a lx'st of Riefe:: Cr Calf the 24 :..:ar .o& frt• ! ,watt. . You Apia ; 1-1` r:::ar:, .., , t ' Ca•,:hdr'r ' ^curl • '; a.:, 1 Payment ,c Mae If -'•u hb-: ylra,lirnr> I ymw er-rolknr„ri -'• ;v to file for beneia ph as± cai t to a^I,c:: ! :e to:- mmbi r !xlo:v rK 'r day, 7:00 a.m -MOO p.m. G:. .If r' :A r ; ,,'„ :a+[y : 3 i.o_Aaa ;ft; a:ectlal Pan wsiH„% Ca Will 1 1 D'al the hr., :' Gr. W . • :or t for ttte n:ay are In and dial % sin':. t ai5:t.80 . Fa, ' a a a3s r'od•_x t:si .:.^..._ hae alnerca.mmAont3f{ and !(.leer •.r: 'l Cnr.'' . i may also ca4 •a , -,MS,., :A 1.757.677.9:01. •, . rti,.+. `.tMl a('1: Sur•i:e r •. ' •.1ritl_ .m-;%!md (TTY/T::;:• `•:!:.oy,;:ra:of Cr:; _:A o- f-' h:Grin;•impTrc:i :: '.a%!.222.7365. +,i; P:: en-:'..... :;, aQ1Asl LSc'. a, :r lft your Payment to: :het- is 8 a: t t)5 : ?:' cIC , ': 13OX 1788, tM1:; .Ni ; al 07101-17SS :.m" ..'.ro : lrsgafrics . r!?•?:r h you thw: : a Mfr :• of :f you nc.e. rrar ;oiormation about a . :.sur mi'y wrke to bs at !C. !?t,x 139, Norfolk YA ail.'. rrarr 7:'wt•1;'!: •::G ,,. ':ntae:c:5ervimnur!t;,oit the front of tile Whip i . r' a:t Nay , cteir mr;.', . r •:c K!y 1r• .:.:bmu at Sr ,?Bt of f(pr:,rNv:.com. We muit freer fmin I . .,;;r!1i;,tf yo:: m) kit., r:. w 6( c after m sent you Flip. try. IIW on Which the mor or • _ .. .. ,:•• :.; •)nr in ?cur h!:.,_ 1:ve w. •:.,dkmIihj hrormaC:t:: - You: ,:.- • a:U! : ,t namxr r , r! aim' ,;c..:.: ;.riot . ' :hr suspected err:x Iii : I)r's:. i.• '• ... ..r .;plain, l you cd;l. lv:; vru bdlere there an error. • . I .. p., n;k y yr , . ' m:- ! rwatUan; descrl)' tsR i ;:t•1 you am ensure about. Y:,:; :'•) c • ".• to I% ': amount In qumlion ,•:.r• we are Investigrting but y;' e •. :: tr> , .y d•a )ens of yo-s- El' 11 x; am not to question. While ,. ! vm r vest . i +our re.; wit cannot rep:n yon; as delinquent or take any w.. • rAli cs Xc."..i tn:• ;c.. Ile d.. ..n: r:u question. na : r,itiv Or Sperfal F' :: C,.? Ci 11,6 Parclam .,at* ' ..I ti:c q _•alty of pc•:ds or r. rrkes that you purchased ,ri r1 a crr.:.i •; ;lave trkd !n gocti failli to correct the prob7cm with rr;S 3v ::arc!-mi'. r•a n-, haoe to pay the rmim! -ini amount due on Vie goods ritNu or s::.'lees. 'vo.! llav^ ;'im.elio,r oak tt:- nrrchase price was more L!:1 : b!e. ti:,:1$SO ..rd he pru; . ra crag maie n roar ,m:•e ltax a rdilht 100 miles d •, ! : -. ,,rv: ycit, wail, daress -. ? P c:vr rr (.pith ilre mcr: 11ant, or if we nulled you the h:, ;nrare tu4cnRRrarc: •or It : arty rrr cerrke, all PYrcheses are covered regardless of th.: amor'1; ): !.•raC(, ' !.urc!tasc). - , ,:, ac:nNltl . ..4. c ,..t:.r: dater IMPOR r'•.,MT t'.Ftc;.: ' ::`,i; I.NFORA&: , IC'' J °'rCl •,r!=U 8Y FEOEPAL LAW TO BE DISCLO',:C •i C•' Y(_.• • . , .,t lJ?c ACI.:OUf`: ; p c ?:01T BURErAI?;>. LATE PAYMEi':''S. ":ri;,-,:??Y: ; fMFAUI_- S I ,ACCOUNT d IAY BE REFLECTED IN YOUR; Ci r''I:)''' , . :dar•.. iY43*m?yr< :,. r:+?' !..).'.2. x141 or vairu yo,.r .:atl:,dd:c• rar rwmtwn'n:rf :rill ; rte, -P. a•ad. ::r't.,:•r.i„ :ou;:nuand rc,:::_:•tb;•. oil Vie fr.:aEor itc °ttdlkmg a A. W!t•. , •e111 l,r-. it Mined up t'. + Jay !'! '.,ysr.:•u' nr,,• ; . , i•, .. _•r..' .• d',, In US. Aw;hm n:. -•1 :Ill. or: - .1:i; n txahd h, thr F I! -r.,ver cast: ;Yher f • i ' y !k': trop al Ob1 1• nmkii:•: I DE80k i .' i 1- -:41., i Accoc - Your'' 1. New E. . ..._... .? _ . . Total Cr- r.2;1- 8.85 Cast. L OverJOX Cdr=. Date 1.05 24-Ho11t For Las! ,,:::!:.t.i: ... w -Y.•il: any c Yi Trans.: ? ; ?. : iil online dl .,.,:: tmP ..;c •Ir 3rH •..7,. Post. DATE V .,, ... - .. .. -S5Y;0 -- Jun Si r r• .. -.'r - _ - .. i. La?roKT ?. 1.:•0.!11 Jun S3 .: .' .. .... ... _... .. ?--?u:.i ? ??.., ._ Previojr E...- .. ..?, av..,.....:i• erg.. ..tie.: S4,454,14 Purchase $7,-w Cash Other Do!- S I'rO Credits S•7 CA FINANC!•. ::di' Si SJ. ?0 Paymen-w )n New Bala- _ $4,513.' 5 Financ : .. . .:..:??:`?:I; ;r:n Averagt: L•aily . ?,linicm ,iA)! ; ^• 1r0 801401ncc P DB; '• . fadic , . ', h0rgo _... _... Purch- .F t b G W. or. ,11.00 F ash Cash C _ in n 00 P AMA_ ,. 'AbIP Some Ora:: a the ii.:.- • r. been account tha:. w,: ci: ; > y .. ,; ,• ; i,e:a this Staternrni car'l •. It , • -itect any disce a1.encxs, c•,i1 ?. ... ....'.1. ;. all 1.!300.94.!' ;Q^ .1ar1•1 f,' .. . ?tu i??, ?., r!41'118?11fa Corner `23983 __ n0nt Cou [A.' -oust! Numer 4'288 603219023983 ent Dive Date07111a o . . t+inknum Payment rot e _ x10.00 ?_... ._ N:j: ^a!??nce: JA 51316 i . :-nt Frc used • ii is-. .. .. .. Fe.1 or mmi,rrdc's:•?ahle10B3% nf.\meriee.' I I1101PORTl2''i J:'" ,.< A i C:.r.!6c1 :: :rcuri;- •::r.'" f ?'aymertt Fro::,on Plan FINANCE c:' :E If yr.a hire" !:". soon; : .Cat yr.ur rnrolmrnt rr r.: .: !a file for bm:F frs, please c30risc any "•:r:•c t,il! " lamhn bafow(t!•nr z; f:!r!ay, 7:OOr..m. •?O:OC p.m. Annwl n Referto tl Pp^.- rates. A 4 n:•yt i' ? 1..;9.9:1•. If yourstal:• ; ni;:.r.:, .,;L s°•,ice e. 7..:enu ;1 :a!liny Inflated bur':. • s r•; ; .. a.•; .. , o•iJ: ' 0;.. ;hr A! F ow-c' • crde for the co:,•,trr ,;..: ,.m in and d:al over a 12-1i .-1 u:: •:: ,:k. r ;IPAO:. - . I c ^r r f xcnss cades Ar1t s _`..'i.j F.a.com/cadac[ Grace ar r eruct ' B !'a:,`: ..: I::ar also call u: cn!F . al 1"757.677:1701, You can x: ! : tr: r:rt I tee' .ylic", . •a•rrrl ,TTYJTK) your Me k:: , . .; ,*. • •I, at pf C:.r ., . ;. r ,e ice { . • ,a.i ng hup reed an. 1_-:, 222.7365. , the Now O tt L; lit. ..,cpoil madeyot-"r.rli ay: :e Pa on-6. ? Yb -4)Ig(/ o:• r•sTyearPayntehttw: charge o:, r:. •. !Nr k k ':O?. 1:4ICk. .,30X1758,NEVl'Alli,,M.)07101-2738 no time r..,vs : ,y :':<..:. - ... . ,..:.. •r a' ' Ir r se .:.. •. .} Inquiries Periodic It Urn r fie', :j, or :f you ae°d •ror ••n'nrmatlon abad d (Inctw:i:r • r • ar i - : u'.,' ! " n,ay write to its r.t PC Rax 1390 Norfolk VA For cat:, r =. ?? ... .; ::/ ;Ir.•; 1 .;i + Its , , •r:slenwr Service :,an'tr• nn the frontal the 69111g transactt,r. .. IF; N' N S]L?1k4G1.Opl:i tom. We must bear from y is Dai till/ :. 1:;" .. ; ? ';:: this ' ::o L:. • `' tii.r VR sent you Liv (.': e.. !,111 on which tfr_• orror or . . . .. : lr:ii ,? t."• {,.•.11:. i. toe that d: ..., he pcyler •;. ..... ... rel .. . • I'' i^+,• 1 r• ?•t• ; , i I•i Sinn Infcoronitloo; To 9P3';'ot.: .i!!, -01;r rnd 1u+ i ar,ta: a rusher !ih<.lm!>ectederror Da/yPr:ic.: ; • "t ; 1'c i r'' • , exp n, 9 you can , ?• • ,•su believe there is an errs • amount is al -.,,, , . rate thnii ... • ?.. .. -•-,:.,di r?? 7,' ; . descrih2 •'ha ii •: a you are unsure abort. .. .. cent. To in • ::: e divide h1 II r , il,r, t Vi 11i,- >a ! : K ::n:uurt a qucct?n a' ::e Coe are kwestigating, but . rb •i.; t.., , ?h: parts of yo,!r Na ,4.1• zre nnl in ruticn. While We do din • ;..t:a::,,n ;; :::: r h V_- ioweo... C,: t:-.tit' (!:. ,rb, :Ve cannot repurl yC:1 .S delrx""I or take any Advances, F'.i: r,z: 71.wj..- , . - .. ... , Ci.:.rrrs acts, r 7v+::' : On, ,:- -.it rou question. - begin to e• , :. ,rrmi C e : •. . ':a!; rj It,, iaf : . or r; :.v7 Parciarles the Statr,n: ..::, t^h r! r'. ,.. If ha is lit=,:: 'he gnalty of goods or services that you purchased Account At, „ ; al > ef. r: , . , in:: a cr. t.i _. ' ., : ,. ',ave Had In good faith tc Confect the problem %vn >r your ar-c.cr.•: ;,:! a:, A.1 !. w. will MP II P:FI'.:! i 'rt! la: Nrm: to pay tk renNiA y angOM due on the goods reverse Wit r. •: !: •,an ;.:•,,; : ° - irM1y. C ,+,nee "'Rhin or sc:rvlcec hays rmtnctlen only svhcn ih: purthase prke was more 30 days of ,;f ,!: r : '.:: ... ,. c ` • !s !.,n. undi b e, Iftir, 150 :he lxu . a was: made in you, hnrn:• sate or within 100 mks of You may con; any :o us-, • .r( . 'MI yc •r: ,na!l:: ^ dress own or operate t!m merchant, or if we mailed you the colonel. To Ca- cc;, ,wlir -r.. . , r h...: a ' adYCrtis+:•r. d or th,! • . '. k r!y or stri ice, all fwrchas s are covered regardless of number on 1! - fra:,', til::.mD:.'!::. :,urchasc). Your Lfab4; Out recorta •',av alit ;•.. • ... ... .. .. ; ll f::iL atr:o wl. Y Your IIAIW ,;•src.,rs V o :..... „ -cr.• y1. Report a L -c'-oz !rk . ` Cal the 2•i.:i ).u We t r; ,. ,r.:.. - ..: !::k' ..... .1411 7roon1 alter you report : ?•r.: or S1e:1, : f : IMPORT :,? t ..:;? II?FORN1'.'? IC`: rGr' .'.c? BY FEi)F:: kI_ LAW TO BE WE MA't '00R ACC-('iUK : 10 0" DIT BUREk•US. LATE I Y N Iii!.- l'.-IN U r, 1.,EFAUI.?S 'I YO --ACCOUNT MAY BE REFLECTED i :cr: , a y. 5 1'n::irv+.baekofar}gam .:.r tali . .',.1?J91}I or wets /nor to chatrre aecwch- prof r Lg. 3. iic: ph-ml ...ir-A. r...... .. coon and rea r i !y . atl ner ; U. Dos on the front or !Lc a: • : it. Crediting td .: f otP. • -,:: ears Ne fclayrd up M 5 9a;•s. .r , .1,: •, , ,f, asei in t1S. 0.11trs , ' gin; a ?Intion kicaled in tlh• l: ti r?ewf Cali:" : "sre!•: .: h? I lx "lion at our i:..•.yki^ 1 I DEBORAH A SMITH Account Number. Bankof America -441111, 4888 60321902 3983 Custnaler Corner Your Bank of America Visa@ Account New Balance $4,871.96 Past Due Amount $209.15 Total Croa Line $4.600.00 Avalable Credit $0.00 Cash Umlt $4.600.00 Avalable Cash $0.00 Overtimt Amount -- $242.96 Billing Date 11/16105 Minimum Payment Due $367.98 Payment Due Date 12 i 1105 24-Hour Customer Service 1.800.7329194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6080 www.bankofamerica cam Transactions Yaw recent trarmed a and pay your IAI online at www.bankofameries.com. POST TRANS. REF DESCRIPnON ArAOLINT DATE DATE NO. CR-CREDIT New 10 Nay 10 LATE PAYAENE FE --- S39 OD !t,,6 Nev 16 OYERL Wrr FEE ASSE55EO FOR NOV 16, 2005 $3600 Nw 18 Nw i6 PERIODIC FINANCE CHARGE $80. D2 Account Summary Previous Balance $4,723.94 Purchase + $0.00 Cash Advances y $0.00 Oliver Debits + $74.00 Cradle $0.0o FINANCE CHARGE + $80.02 Payments - $0.00 New Balance = $4,877.96 Past Due Amount $209.15 Finance Charge Summary APR Periodic Rift Balance (ADS) Periods (P) Charge Purchases 19.74091 0.05409%v D $197.50 $3.32 P Cash 19.990% 0.05477%v D $0.00 $0.00 P Balance Transfer 19.740% 0.05409%v D $4,573.79 $76.70 P ANNUAL PERCENTAGE RATE 20.126% v--variable Your account is currently past due. Pkaase visit our wours Wehsite www.mynsypayrnerit.com to male art instant payment online and avoid additional Late Fees. Bank of America 110110- 0010000 0036798 0487796 4858603219023983 BANK OF AMERICA PO BOX 1758 NEWARK N3 07101-1758 1116111114111111111111111111111111111181111 181111111 f 1111Il 111 PAWMerit cou Account Number 4888 60321902 3083 Payment Due Date 12/11/05 Total Winn Payment Due 5367.96 New Balance: $4,877.96 DEBORAH A SMITH Amount Enclosed 17 QUARRY HILL RD NEWVILLEI PA 17241-9479 11nI11u1111I1I1Iu1alII111n11nIIu1IIIIuurlQulllolll Maly ckuk or eaaay order payable to Sank or ialenca. This is w wlm*vnic t podw*anofyowstelemenl end mdrdea aeeowl mfame6w ordy IMPORTANT INFORMATION ABOUT YOUR ACCOUNT FINANCE CHARLIE Aammal Pesaataee Raft (AMR) Refer to the Finance Charge Summary section of your statement for your current rates. A V troll to a Medic Rate means the rah my vary. N your statement has a Cash Advance Fee, the Atonal Percentage Rate will look Inflated because we annuake the Cash Advance Fee as I it applies each month over a 12-month period. We do this to meet federal disclosure requkamams. Grace Palorl on Now Perdasas (at least 29-days) You an avdd Finance Charges on new Purchases that posted on this statement I your Previous Balance b aero (or a credit balance) and we receive lug payment of the Now Balance by the Payment Ove Date. N to, yam have from the date you made yew purchase until the payment Due Dace on the treat a avoid any finance charge an that purchase. N your Previous Balance Is greater than zero, there k no fine period to pay fire Om Bakoce and avoid additional finance charges. T here is no grace period for Cash Advances and Balance Transfers. Perkdk Rome Charge Cokulatka Ndbod - Avaage Dally Balance (Iadedby NOW Traaasetbne) For each day In the Ogling Cycle, we take Vow beginning balance, add any row tramadbto or other debts (Including other fees and charges) and subtract any payments or other credits. This gins ha that day's Daly Balance. We multiply this 0@0 Salaam by the Daily Periodic Rata to got your Periodic Finance Change for that day. We add these periodic Finance Charges to your Daly Balance to get the beginning balance for the next day. To get yew total Periodic Finance Charlie for this BBiog Cycle, we add at of the Dais Periodic Finance CMrpa and round the sum to the not hghest cent. Ths amount b also equal to the Average Daly Balance multiplied by the Dally periodic rate times the number of days N the Oft Cycle rounded to the next highest cent. To determine an Average Daily Mace, we add your Daly Balances and divide by the number of days In the Billing Cycle. We do this calculation separately for each feabre such as Purchases, Cash Advances, Balance Transfers or Promodand Balances. Periodic Flaance Charges begin to accrue (ran the later of the baosectkm date or the Stahmed (fate of the Statement on which the transaction appears. Account Remaswl Iu lonssafNa for Opaa Accamats N yew amount has an Annual Fee and it b bled on this Statement, we will reverse the fee I you cancel your account and pay off any existing Balance within 30 days of receipt of this Statrwrentotherwise, the Annual Fee Is non-refundable. You may contirroe to use your account during the 30-day period before you cane. To canal, write us at the Ming Inquiries address or all us at the phone number on the front. Year l.iablr Our records show that you are gable for any outstandig balance on this account If your name appears on the hoot of this statement or you oib erWtre agreed. Report a Lent or Nalen Card Iemuedle" Cal the 24-hour tog free number 1.800 848.6090. Do not use your account after you report a lost of stales card. Cardbehler Security PbJ1- / Paytuers 10001MCU D Plan I If you have questions about your earosnnt or need to Its for hostages, pieme of the applicable toll free number below (Monday-Friday, 7:00 ams, -10:00 pm. Central Time): Cardholder Security Mi- 1.886.666.6938; Payment Protecuon Plaw 1.888.838.0056 Sarvke for Iaternationl W 8fae Dial the AT&T Oked amen code for the country you ars M and dial 1.688.801.3723. For a list of access codes vise and scaled Credit Cards. You may also all us collect at 1.757.677.4701, service for hearkq-Impabed (TZYITOD) Contact oar service for the hearing-impaired at 1.800222.7365. Pay on-sea at worw.Malkaftemarlicaamm or mail vow paymast'to., BANK OF AMERICA, PO BOX 1780, NEWARK, N3 07101-1758 BILLING R1GWS SUMMARY STATEMINT DISCLOSURE: In Can of Error or song Inquiries N yam think your bill is wrong, or F you need more hdanatim about a transaction on your big, nom amtaat&toas!cueasenaraassAeaUaYMAK 17M Ma" yA 11501-119IM AN Adsrsda ro anrense rws?elm6ty We must bear from you no later than 60 days after we sent you the first bid on which the error or problem appeared. In yew latter, like us the folowhg information: Your name and amount number The dollar amount of the suspected error . Describe the error and explain, a you can, why you' ekye them k an error You do not have to pay any amount in question whie via are hwestgathF, but you are sti obligated to pay the parts of your bin that we act in question. While we InvestgMe your nuestions, we cannot report you as degaqum or take any action to collect the amount you queftn. Special auk for Credit Card Percbases If you have a problem with the qually of goods or smites that you purchased with a credit card, and you have tried In good faith to cm od the problem with the merchant, you may not have to pay the remaining amount due on the goods Of sarykes. You have this protection mayYdlen the pwtltau pike was mote than $W and the purchase was made In your home slate or wilts 100 mks of your maiing address (1 we own of operate the merchaat, or gave maid you the advertisement for the property or service, OF purchases arc covered regardless of the amount or locatim of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO BE DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. For address changes, you may access your account ovine at warmbmakdaMiggIlig"M call 1.800.732.9194 or verse your address changes below. Please include your account number to censure accurate promessing. Address City Stab Nome Phone Work Phone ZIP E-mall Address By providing us with your a-mall address, you agree that we may communicate web You by e"ronk mail. Prompt clookbe of ?eymnb we wig trcdR ally payment at of the date we receive R as long as R is malted with tla anckaad payment coupon and recelved by us no later than 12:00 noon at ehher the P.O. Box on the front a the P.O. Box above. Cradling of at other payments may be delayed up to S days. AI payments must be in the form cf a check a money orderdrawn in U.S. dollars on a financial Institution located in the U.S. or the U.S. Post Office or made by electronic funds transfer harem cash payments may be made In Peron at our banwrg coders only. I DEBORAH A SMITH Account Number: 4888 60321902 3983 Your Bank of America Visa® Account New Balance $4,723.94 Past Due Amount $85.27 Total Credit Line $4,1300.00 Available Credit $0.00 .....-..__...... . Cash Limit $4,600.00 Available Cash 30 D Overllmit Arnwrd $88.94 Biting Date 10/16105 Minimum Payment Due $209.15 Payment Due Date- -? -^ ' 11/10105 24-Hour CLlatomer Service 1 "800.732.9194 Pay online! Visit For Lost or Stolen Cards 1.800.848.6090 www.baakufaFrwica.com Transactions View neat translations and pay your bit online at www,bonkofamoka.corn. POST. TRANS. REF. DESCRIPTION AMOUNT DATE DATE NO CR-CREDr Sop ?3 SaP 21 24155015?65710016287016 WEISMARNETSOOSSN CARLISLE PA Sto66 Sep 25 Sep 'F' _. 241 7 025M3 719D6210253 SHEETZ DODDD2634 CARLISLE PA • - ___..__. 51..50 6i I' owl LATE PAYMEkt FEE Moo Oct 10 Oct 15 --- ?- OVERL6AIT FEE ASSESSED FOR OCT 16. ?006 _- _ "- --" -535.00 Oct is Oct 16 -°------ ----- PERIODIC F114ANICE CHARGE '"---?--- ---?.-.^S74.8a Account Summary Previous Balance $4.542.58 Purchases + $32.48 Cash Advances + $0.00 Other DebAs + $74.00 Credits $0.00 FINANCE CHARGE + $74.88 P6lylneots - $0.00 New Balance - 54,72194 Past Due Amount = $86.27 Finance Charge Summary Corresponding Haft (D) / Monthly M Average DNy Minimum 04 / APR Periodic Rant Balmco (ADM Periodic tPiCharge Purchases 19.740% 0.05409%v 0 $114.73 $1.87 P Cash 19.990% 0.05477%v D $0.00 $0.00 P Balance Transfer 19.740% 0.0540996v D $4.498.95 $73.01 P ANNUAL PERCENTAGE RATE 19.476% v=variable your account is currently past due. Please visit our secure Websile www.myeasypeyment.com to make an instant payment online and avoid addillonal Late Fees. BankofAmer ica 41I? BankofAmerica ,*'' Customer Corner IMPORTANT NOTICE. We are changing the terns of the Cardholder Agreement that governs your credit card Account with us. These changes are set forth on and/or enclosed In this statement Please read the information carefully and retain A for your records. 0010000 0020915 0472394 4888603219023983 BANK OF AMERICA PO BOX 1758 NEWARK NJ 07101-1758 1161111141111111111111N1111161ddd1111111LLh111111J1 P mall Co tsoon Account Number 4880 60321902 3883 Payment Due Dale t1/10f05 Total Minktwm Payment Due 5209.15 New Balance: 23.94 DEBORAH A SMITH Amount Enclosed 17 QUARRY HILL 'RD NEWVILLE, PA 17241-9479 1111IIIIIIIl11441111111111611111118181111111fillies $IIf III I \ lake elwnk or tromp order payable to Beak of Amnca. This Is on are owe rcpodu0m U your staters! and induct" wcou.D(mbff ation only IMPORTANT INFORMATION ABOUT YOUR ACCOUNT FINANCE CHARGE Auuual Percentage Rate (APR) Refer to the Finance Charge Summary section of your statement for your current rates. AV next to a periodic Rate means the raft may vary. X your statement bas a Cash Advance Fee, the Annual Percentage Rate wN look Wilated because we annualize the Cash Advance Fee as I it applies each toonth over a 12-month period. We do this to meat federal disclosure requirements. Grata Period on New Purdhaws (at least 20-days) You can avold Finance Charges err new Purchases that posted all the statement If yaw Previous Balance is zero (err a credit balance) and we receive fall payment of the New Balance by the Payment Due Hate. B so, you have from the date you made your purchase WO the Payment Due Data ah the front to avid any finance charge on Staff purchase, X your Previous Balance is greater than zero, there Is too time period to pay the New Balance and avoid additional finance charges. Thee is no grace period for Gab Advances and Balance Transfers. Period a Finance Charge eadcolefto Method - Average OaRy Balance (Iwcfadkg Name Transactions) For each day In the Bsleg Cycle, we take your beginning balance, add any new transadbta or ether debits (hhckhding.ethe fees and charges) and subtract any payments or other credits. That gives us that day's Daly Balance. We multiply this Doty Balance by the Dak periodic Rate to get your Periodic Finance Charge for that day. We add these Pwb& finance Charges to your Dally Sabnce to get the beginning balance for the next day. To get your total Periodic Finance CJarge for this Billing Cycle, we add all of the Daly Poriodlc Fiance Charges and round the seen to the next highest cent. This mount is alw owl to the Average Daly Balance multiplied by the Oak pew rah tines the number of days In the BBIng Cycle rounded to the next highest ant. To dellrrrihhe an Average Daily Balance, we add your Daly Babnces and divide by the number of days In the 83119 Cycle. Yk do this calculation separatey for each feature such as Purchases, Cash Advances, Balance Transfers or Promotional Balances. Periodic Finance Charges begin to accrue from the later of the transaction date or the Statement Date of the Statement on which the transaction appears. Account nonevent IWormaloa for Open Accoenhts B your account has an Annual Fez- and R Is billed an this Statement, we will reverse the fur I you cancel your account and pay off achy existing Balance within 30 days of receipt of this Statement othhmwlae, the Annual Fee is nom- refudable, You may continue to use your account during the 30-day period before you comol. To cancel, write us at the Billing Inquiries address or al his at the phone number on the from. Your 1JahMty Our records show that you are liable for any outstanding balance on this account I your new appears on the from of this statement or you otherwise agreed. Report a Loot or Stoke Card immodikloly Cale the 29-hour toil free number 1.800418.6090. Do not use your account after you report a lost or stolen card. Cardbolder Socusky Plies" I Paymmecd Probtctlsa Plan if you have questions about yaw enrollment or used to file for bandits, phase call the applicable toll free number below (Monday-Friday, 7:00 a.m. •10:01) p.m. Central Time): Cardhokler Security Plan- 1.888.668.6938; Payment Protection Plen- 1.8B8.838.0DS6 Service for latenatiouol Coding Dial the AT&T Direct access code for the coun0y you are in and dial 1885.801.3723. For a list al access codas v61 vwm and select Crede Cards. You may also cad as collect at 1.757.677.9701. 5ervksforbeeclavlanpah'" (TIYITOO) Contact our service for the hearing-impaired at 1.8110.222.1365. Pay om-Ilae at or mall your payment to: BANK OF AMERICA, PO BOX 1750, NEWARK, N7 07101-1755 BILLING RIGHTS SUMMARY STATEMENT OISCLOSURE: In Caw of Error or Mae laqumw If you think your bill Is wrap, or I yon need mot Information about a transaction on your ban, • Brig ace to ar yaw a momata abed At PO at 13Sb Aiar&k VA 23501-LZW-ar same as aaujale to avasaQte?hCdeA1S We must hear from you no later than 60 days aRer we sent you the f1W bs on which the error or problem appeared. In your letter, give us the fokowhg hdormation: Your nine and account number The dollar an murt of the suspected error Describe the error and explain, I you an. why you believe there Is an error You do not have to pay any amount in question while we are hwes kq, but you are sill obligated to pay the parts of your bib that are mot In question. Whine we lavestilate your questions, we cannot report you as delinquent or take my action to coled are amount you question. _ Special ink for Credit Card Purchases If you have a problem with the quaRy of goods or seftes that you purdused with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not hen to pay dum remaining amount due on the goods or services. You have this protection only when the purchase pdca was more than $50 and the purchase was made in your homer state or within 100 mdles of your maBng address (I we own or operate the merchant, or I we nailed you the adverdimmu mt la the property or service, a1 purchases are covered regardless of the amour or location of purchase). IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO BE DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. ror address changes, you may access your account online at call 1.800.732.9199 or write your address changes below. Ploase include your account number to ensure accurate processing, Address - --°----- --- Gty _? -State - - zip Home Phone 1Nork Phone ----- - E-mall Address 8y providing us with your e-mail address, you agree that ra may communicate with you by electmaic mail. Prompt Crediting of Paynraats We will credit joy payment as of the date we receive It as long as It b mailed with the enclosed payment coupon and received by us no later than 12:00 noon at either the P.O. ilex on the from or the P.O. Box above. Cieddiag of all other payments may be ddoyed up to S days. AN payments must be In the fans of a check or money order drawn in U5. doles on a finawlel Institution located In the U.S. or the US. Post Office or made by electronic funds transfers; bmw va cash payments nay be made h person it our banking centers only. DEBOP l :: S;!,: Accts Your ?ti c. New e:.;i-m Total Cre. ;.i .? Cash Li.. Overlirru:... Minimun : a: ' ..... 24"Hour C:: ,:,.., ?., . , For Lost of v t. , .. Trans a,,. POST. DATE V; .. ..... ACCOL:- Previove P. v:' Purchase, Cash Ack- rr.. Other De Credits FINANCE Payments New Bala-:.)- Finance= C'nar:..; !. . +tg .sue -,dX'5 Fa'; xrH: -i: _S; jot" rt : hill . . . r. S:Sal??q-:.rs+f •.• spy •' n1.iS. ' -CNN 1T M JO S?. ixi Fr ; "U SS.o.rl $4,48,1.-4 : li. ..: iaa TIFAI A?rorngoDaih ainira++ •;6ry! Purchases Cash W P 177'.vf? 2OAP .. .'ari8ble E.-!, Ameriem -I*;- [I. y:'5414 ;;8E'' 03.- ?927303 nont con At -=, nt Number 3888 6031 0792 7303 100 r ' t o' ?t Due oale :P,innnum Payrrrent Que 610.00 W;_I uatance: £i14 4tl4;14 1 IMPORUN P I POPV `. • "-' Cs:-!bolt , ' • v.Ve`. . ' J rityl. vn' ? . ?: 'ro Walt FINANCE C ='!•; . If 5•.n: ha: •e ,ir stfen'. , : .' yo:rr'mroWtscn! '•t :. : •O ilk for beucrts, pkrt^. Annual Per: ca' rha.,, , is in" '. .tat: ta'r 5c!:av (iioN: .. ;ndy, 7;OU daa. -10:00 p. n Refer to :! ; r: !: rl S: . rates. A'. ,. ,Trtaction P!-a. If your sta::• e Inflated I ,: ' ? r ; :. K . ,: : • .._ . over a 17-:::'' [,..-, .. : r , n•: sib .. . r;v• :',r• '. tar' Tor V-e cot: F'.', re In and dial ? , , ... wr.k. p.;• ..i ,tr; ;?Y7drs •:k ; rtt.cam/corded - Grace P.t : ? '•ys>-! ' .• .. . a. n:ay tssc call ::...: it '? . a?t 1.757.G77A%01. YOU cat, your Pwvia . ? ; •,: ,.[ a ='• tea sine edit . the Hera L': i . s::: r _ ni cd . i. .;p ••. . ka ?. b)-:r:rrnrerL! :• 222.7365. made you; i.' • c. - ... [:c¢ r .,` oa• :`. iv r ,: raltb?±t yly.ttt:» n^ :.-i1 your paynten5 to: charge ei,I 1755,NEVI !RI.>.] 07101-1755 Itotin[epr There r.:i Periodic ? . or x, squiria . (Iad ldla y :r n or it you me + m7 4w.-nation abort;. For each 0' h , ai , , :., voy tvr" to w 11N. rarv 1390, Nodu&• VA , transac:ins , sstcn:er 5enk: rru::, .•: [ the front 9 the bilwiy psymcru; or + •, : nar. :'v ' iw d_"+„• L1?!; ;Som. Yk toug h-ar front this this Dash, la: 't ly r'' : ^''" •Ittr [vr sort yo[r ;.,: ` •' 'al on r hkh Ike cRor or for Ual nt... ;: 1. thebeghn,i., !:• :.. -•. .-,r it 6e ., .-AtlviogWormtdicr:: To get yuer . '••r.,. isu' .. - 'ikr- +r a . ? t Daly perk: .' ... • ; : i ' ' ;r? r • i lt s'r:;rch:d ertrr amour: Is • ::a ! : . '! - .. . • ' . 1 ' :: ?: Cr•. .? ' ,•xptaill, G yoe :da, ,7° : [HI tlegeYC lhefz K do eRCr. .. . . . ratetimo:'. c, s:.. ' 1j, GrJ:r . f :'• !n..: ieixn, descrll : he -,row are unsure about. . ... cent. To +! 1 of .,.I divide f; • it t •,i i• •r : ' a,. " Y-" it n n i. mot rt 4t quesljc'1 ., :',g we are iwestrlalhtg, but K' • we A 1Lrt+' he Harts of yx,. tA! t' dt are not In nu.akm. Whfe V& do OP.; e. lvl• i wrsl:,'. :..,.„,r I .. ; runs, we cannot rar,.:rl tn'! as delinquent or take any Advartcr;,!t.wcrt:"rta:'• sw: •ihrr.x tyovQuestion. begin to acr.:: T%ln tt : the Stalcn a-r':n •: •i,!,', ' "'(C". C'rA hrcloares . .. `• 1: ;;.+: ha'.^ :lire quaty o(yanas a: ;crrkesthat you purchased . . Accoant ,'_c , ,: ' t r![ 3: r:• .'r i •, Fare tried in go:,', Wltb !e corned the problem with t t• ... , , •• If your as ur...: [ . r;9 My : ; ru ,.,it a-, . .. Laic to pay the n•nra:::•ag Polount due on the goods reverse V1 or :vvkc•r. i hav: wotectior only t0tPq ti:urOaset price tw's more 30 days of V..; ;55 .. . ,^ A. :¢aa made in your ha,c.. xata of wMtlin 100 moos of You nray c:%l :: ,: ,. • e ' .. yo-v nt.,iik r.?s 'ma i Or opwate tl + o.Cr,1ant, or If we maned you the cancel. iu,. [•` v-:t: .. t.•; eoe aa,..:asw. :nr rty or servltt,a!l uare covered rc>NardkSS Of nuntb.:r or: ,. dt. Ito •ra.:a , , . ralk' . .o'chasol. Yoef 6110W Our revoi n, Report a s, ,. •t, ta•,. CaItherio'!I.. rti.v you felwa .,. IMPOR '.?''!' _ :.. ;'? _: Ih ORM -, i IG,; 13Y FEDEi LAW TO BE DISCLc-•...:::.r :.: . WE Mfi,`::: AC C:;: up... ..: C: C. •_[)! T BUREA:1J:: LATE :: =FAL . ACCOUNT MA BE REFLECTED INYOUI ir:5cc:rr?: .t;+.,.,,; :..im'-:: w. a•^irl?C.cwl:1L??S.t._?':ivc:,i" :.132.919.1 or wrwtiU,i actcr••tc pl, jy. !r nmil [ '•' 1' vt T"'t' .. ...<.:r •. [i-ei:•. rnd r"':'i Ir•• . . 61, [ ` A kv nll the frral! o• r„fitlgg r .:: , [ ^ .1.lawl up ft 5:'o-y . in Us. '. IS n n r. bon l,xatcd in Ihr [ f;;....,. ver cash pwnK ! V n paten at out ha''sh.• C'Zo -y} 14 U) d ?f 00 N t? 3s G'1 -0 =It NJ r4...7 -- C3 O SHERIFF'S RETURN - REGULAR CASE NO: 2008-04822 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAVALRY PORTFOLIO SERVICES LLC VS SMITH DEBORAH A MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SMITH DEBORAH A the DEFENDANT , at 0017:13 HOURS, on the 14th day of August , 2008 at 17 QUARRY HILL RD NEWVILLE, PA 17241 DEBORAH A SMITH 18.00 13.00 .00 10.00 a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service q? o Affidavit Surcharge Sworn and Subscibed to before me this of by handing to DEFENDANT So Answers: R.' Thomas Kline 08/15/2008 GORDON & By: day A. D. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 2051953 Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA 7 Skyline Drive Hawthorne, NY 10532 VS. DEBORAH A SMITH 17 QUARRY HILL RD NEWVILLE PA 17241 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. : 08-4822 CIVIL TERM JUDGMENT BY AGREEMENT AND NOW, this 'A 4A day of August, 2008, it is hereby stipulated and agreed to by and between, DEBORAH A SMITH her successors and assigns and Frederic I. Weinberg, Esquire, counsel for Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA that the Court enter a determination in the above-captioned case as follows: 1. Judgment shall be entered in the amount of Six thousand Sixty Eight Dollars ($6,068.00) plus 6% post judgment interest and court cost in favor of Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA and against, DEBORAH A SMITH her successors and assigns; 2. Plaintiff, Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA , will agree to accept the sum of $$175.00 per month from, DEBORAH A SMITH her successors and assigns. The first payment of $175.00 per month shall become due and payable on August 25, 2008 and then on the 25th of every month thereafter until the Stipulated Judgment is paid in full; 3. In the event that DEBORAH A SMITH her successors and assigns do not make payments as prescribed in paragraph 2, they will be considered in default and the Plaintiff, Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA shall be allowed to exercise any and all remedies available at law. 4. The Parties to this action have authorized their respective counsel and agent to enter into this agreement on their behalf and by doing so this agreement will be binding on both that DEBORAH A SMITH his/her successors and assigns and, Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA its successors and assigns. 7?g ? 44- ^F- ? v su 6.- R? d c ° i C. r a C= i - t om W. I • --.. 2051953 GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 Cavalry Portfolio Services, COURT OF COMMON PLEAS LLC as assignee of Cavalry SPV CUMBERLAND COUNTY I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA VS. DOCKET NO. : 08-4822 CIVIL TERM DEBORAH A SMITH NOTICE Pursuant to Pa.R.Civ.P. 236 of the Supreme Court of Pennsylvania, you are hereby notified that a judgment has been entered against you in the above proceeding as indicated below. JXL Judgment by Agreement $6,068.00 Money Judgment $ Judgment on Award of Arbitrators$ L1 Judgment on Verdict$ IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEYS: FREDERIC I. WEINBERG OR JOEL M. FLINK, ESQUIRES AT THIS TELEPHONE NUMBER: 484/351-0500 PR HONOTARY 2051953 GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 81894 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 Cavalry Portfolio Services, COURT OF COMMON PLEAS LLC as assignee of Cavalry SPV CUMBERLAND COUNTY I, LLC as assignee of Hilco Receivables, LLC as assignee of BANK OF AMERICA Vs. DEBORAH A SMITH DOCKET NO. : 08-4822 CIVIL SUGGESTION OF BANKRUPTCY OF DEFENDANT TO THE PROTHONOTARY: AND NOW, this February 19, 2009, it is suggested of record that Defendant, DEBORAH A SMITH, filed a petition in bankruptcy under Chapter 7 of the Bankruptcy Code on or about February 5, 2009, in the United States Bankruptcy Court for the Middle District of Pennsylvania, docket number 09-00783. Therefore, this matter should be stayed until further notice. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE JOEL M. FLINK, ESQUIRE Attorney for Plaintiff ? ' .. _ ?; i ? r??,..5 -? - ... ? (-- .??. ` ± ? :"_ ' ? (?".? UNITED STATES BANKRUPTCY COUR"1 ?:= j? FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: Zf;?'fPii u? 1'lil ff: ;;g DEBORAH ANN SMITH, Chapter 7 Debtor DEBORAH ANN SMITH, Movant V. CAVALRY PORTFOLIO SERVICES, LLC, Respondent JAY Case No. 1-09-b lf-$,0'9$,? CERTIFIED FROM THE RECORD a ORDER Dated: April 20, 2010 Rebecca Parker, Deputy Clerk AND NOW, it appearing that the respondent has failed to answer or otherwise defend as to the Motion to Avoid Judicial Lien filed herein by Movant, and upon this Court's finding that the allegations of said motion are sufficient to state a good claim for relief, it is hereby ORDERED, ADJUDGED and DECREED that: 1. The judicial lien held by the respondent, Cavalry Portfolio Services, LLC, against Debtor's real property located at 17 Quarry Hill Road, Newville, Cumberland County, Pennsylvania, and entered of record at Docket No. 2008-4822 Civil Term at the Cumberland County (Pennsylvania) Court of Common Pleas, is declared void. 2. The respondent shall forthwith take all steps necessary to release said judicial lien and remove it from the local judgment index. By the Com-t, = P JyJ49e (RCP) This document is electronically signed .d filed on the same date. Dated: May 29, 2009 ?- 'o? (!! Y66 o- 0!:?> 6P-S7?