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08-7297
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund CCR Partners 10625 Techwoods Circle CIVIL ACTION Cincinnati, OH 45242 Plaintiff vs. NO: (78 - r1o'01 0';V; ( Terw\ JAMES HUNTZ 601 RUPLEY RD CAMP HILL PA 17011 Defendant : 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 to Defend 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund CCR Partners 10625 Techwoods Circle Cincinnati, OH 45242 CIVIL ACTION Plaintiff VS. JAMES HUNTZ 601 RUPLEY RD CAMP HILL PA 17011 NO: OF- 7 z " 0-t.,?a l,- Defendant COMPLAINT Plaintiff, Unifund CCR Partners, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Unifund CCR Partners, (hereinafter "Plaintiff") is a New York general partnership with a principal place of business located at 10625 Techwoods Circle, Cincinnati, OH 45242. 2. The Defendant JAMES HUNTZ (hereinafter "Defendant") is an adult individual residing at 601 RUPLEY RD CAMP HILL PA 17011. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CHASE MANHATTAN BANK USA with the account number 5222763005026079. 5. The within account was sold by CHASE MANHATTAN BANK USA to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A.") 6. Use of the CHASE MANHATTAN BANK USA credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Cardmember Agreement attached hereto as Exhibit "B.") 7. Defendant used the CHASE MANHATTAN BANK USA credit card account number5222763005026079, for purchases, cash advances and/or balance transfers. 8. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Card Statements attached hereto as Exhibit "C.") 9. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 10. The account became delinquent on January 18, 2006. 11. The amount due and owing was $7,760.45 at the time it was received by Plaintiff. 12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 0. 13. The total amount due and owing the Plaintiff including interest, is $8,906.88. 14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $8,906.88 plus costs of suit, reasonable attorneys' fees and any other relief as the Court deems just and appropriate. submitted, Edwin A. Abraham n Assoc. Michael F. Ratc r squire Heather K. Wf, Esquire Attorney I.D. s.: 86285/207805 1729 Pittston Avenue Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Unifund CCR Partners, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. P4 CHASE O BILL 'OF SALE Chase Bank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated January 1, 2008 between Seller and Unifund Portfolio A, LLC ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of April 17, 2008 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller on April 30, 2008 (the "Closing Date") by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A ABA #021000021 Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: #304-256420 This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Chase Ban S , !A?. Unifund o olio A C By: By: Date: A 8 Date Aril 25 O8 Title Team Lead Title Henry N. Thoman VW9 Preekka Cardmember Agreement I. ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered by this agreement. Please read the entire agreement and keep it for your records. The entire agreement may be in separate parts, including this document and a "Rates and Fees" table that is expressly made a part of this agreement. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. Please sign the back of your credit card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whether you use your account or not, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have rot used your account for any purpose. Throughout this agreement, the words "we", "us" and "our" mean Chase Manhattan Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word "card" means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. 2. USING YOUR ACCOUNT Your account is a consumer account and should be used only for personal, family or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawful transactions. For example, internal gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account. We also refer to them in this agreement as a check or checks. You may use a check to pay for goods or services, to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks may also be referred to as convenience checks. • Balance Transfers: You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. Cash Advances may also be referred to as Advances. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of, this agreement and your checking account agreement. Billing Cycle: In order to manage your account, we divide time into periods called "billing cycles." Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether m 9< N m H O w c m d D o ?' s, a< s m n m < n m o m o m< m m < m< y'< m e « D O W„ ,c, m @ ccpp ,o m < m m m s a m o c " o c n o c o y o c y n o e y o X O L< ?•< O N v 1 d j' _: O' (SD 3 iC/, W N O •Q O < "'? 3 C y d S^ O m tp •_°i (? da y fa m< , d O n m O C O O C O,@ n O° S O 0 m O N > >' m O C d W C t?9 m d O< ?_ H ' 3C. W N R 7 H n n O' t1 N G. , 3 W °• C_ Jr N G V' •"? N tD ?' •mG N° ry 0 d O• S r2 G W d N = d ?. d O< p d C O m M W O t" < o C@ W O' O 'm M @ C] G? A .°-? < d ID O• @ O= C7 m O y _& ° m m O ?O y?p d N] 3 o d C ^. C O' m p Cy) OK O- 0 C m N= O N O w- t='f 3 C -0 (0 fAC x y w0 - N ?. 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O n 1O 0 = N.27y C m m w . d .7•r i<D O c6 m < L m .t7 • m = CD Vj -Ow y yd °+ »Nm« ? °7e<' d p? ` O= m s3n3oNm ?r'a g?u??c.eaw? m?eg y? ? ?e3m ?eo.e -pN ?p G? 7 ?(0p 0 -0 0N 7 NO.CC w•?._.?d°<tnA?fyD NiO 2L N ON ?K.mO-r:m N(SO d? 6D7'N ?. ms?7d°i.d 7-"dN' Fi+' ?AN O.°Ngi 777: your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the infonmation. 11. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home or business telephone number or email address (if you elect to receive billing statements or other notices on line), you must notify us immediately in writing at the address shown on the back of your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. 12. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and if applicable, our agents, may do so, whether you or we initiate the telephone call. 13. ILLINOIS CAMMEMBERS: INFORMATION SHARING Our Privacy Policy, which you have received, describes our information sharing practices and gives directions on how to apt out, or direct us w limit the sharing of personal information about you with companies or organizations outside of our family of companies. Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another :exception inthe law (such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you.choose-not to exercise the opt out described in our Privacy Poiicy, you will be deemed to have authorized us to share personal, information we have about you.f including information related to any of the products or servjces you may have With any of our companies) with companies or other organizations outside of our family of companies. 14. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. 15. ASSIGNMENT We may assign your account any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. 16. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. 17. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. 18. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, 'd our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even 6 your bill was correct. Special Rules for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright © 2004 JPMorgan Chase & Co. All rights reserved. ADV2042 10/04 ACCOUNT NUMBER BALANCE AS OF PAYMENT DUE DATE MINIMUM PAYMENT PAYMENT ENCLOSED 11/0712008 5222763005026079 8,855.84 PAST DUE 8,855.84 Lwt cnew rmwia To UnHLnd UNIFUND CCR PARTNERS STATEMENT JAMES HUNTZ 601 RUPLEY RD CAMP HILL PA 17011 I MESSAGE FROM UNIFUND CCR PARTNERS I YOUR ACCOUNT IS PAST DUE $8,855.84. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. IF YOU HAVE ALREADY SENT APAYMENT FORTHEABOVE AMOUNT,THANKYOU. TRANSACTIONS: Date Transaction Balance EDue Paymers Newv Balance F- 1 1110712008 This Account Was Issued Under The 8,855.84 8,855.84 0 8,855.84 Name Of CHASE MANHATTAN BANK USA NAand Acquired From Chase Bank USA NA. PROMPT CREDITING OF PAYMENTS. TO RECEIVE CREDIT FOR PAYMENTS AS OF THE DATE OF RECEIPT, WE MUST RECEIVE YOUR CHECK OR MONEY ORDER AT: UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 PAYMENTS RECEIVED AT THE ABOVE ADDRESS IN THEM04NNER SPECIFIED AFTER THAT TIME WILL BE CREDITED TO YOUR ACCOUNT AS OF OUR NEXT BUSINESS DAY. THE CREDITING TO YOUR ACCOUNT OF PAYMENTS RECEIVED AT ANY LOCATION OTHER THAN THE ABOVE ADDRESS MAY BE DELAYED UP TO 5 DAYS OF RECEIPT. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. FEDERAL LAW REAUIRES US TO INFORM YOU THAT THIS IS AH ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED VALL BE USED FOR THAT PURPOSE. Statement for account number: 5222 7630 0502 6079 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE O $7,760.45 09/12/06 $2,013.00 $4,022.45 Make your check payable to Chase Card Services. Amount Enclosed $ New address ore-mail? Print on back. 5222?6300502607900402245007?60450000008 17714 f3Ex Z 23006c Irlrlllrllrl1rl111r1111111rlrlfrrrllllrlrr1111r1111rr11r1111r1 JAMES HUNTZ 601 RUPLEY RD CARDMEMBER SERVICE CAMP HILL PA 17011-1230 PO BOX 15153 WILMINGTON DE 19886-5153 11rrIIL,rIIIr1r11r111rJI1rrILJrIrrII111r,rIIr11r1J1111L1 1: 5000 160 281: 4 2 L 300 50 260 79911' Statement Date: 07/19/06 - 08/18106 CUSTOMER SERVICE CHASE O Payment Due Date: 09/12/06 In U.S. 1-800-436-7927 Minimum Payment Due: $4,022.45 Espahol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1.800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5222 7630 0502 6079 ACCOUNT INQUIRIES Previous Balance $7,488.13 Total Credit Line $6,100 P.O. Box 15298 Purchases, Cash, Debits +$78.00 Available Credit $0 Wilmington, DE 19850-5298 Finance Charges +$194.32 Cash Access Line $4,880 New Balance $7,760.45 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www.chas com/creditcards A late fee and over-limit fee are reflected on this billing statement. Your minimum payment reflects 1% of your statement balance, plus any past-due and over-limit amounts, billed interest and the billed late and over-limit fees. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 08/13 LATE FEE $39.00 07/19 OVERLIMIT FEE 39.00 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .08217% 29.99% $3,313.39 $84.41 $0.00 $84.41 Cash advances V .08217% 29.99% $4,314.82 $109.91 $0.00 $109.91 Total finance charges $194.32 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 1 000 N Z 18 06108118 Page 1 of 1 00225 MAMA 17714 23010000010001771401 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: -------------------------- City ------------------ State: -- Zip: ----- ---- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: ----------------------------- L f? i IMonnalba Abut Yogi Account the ate and time your psynKN wee, due. There is r pace period for balance transfers. Loot or Sbtea Canis: Plate report your lost or stolen card immediately by calling the ash advances, check transactions, or owrd ft advances. Customer Service number found on the hold of your sblemenl. Adrieon arc allays In a0dlllon, if Iano Ice a "Ow11M1nqp Ptomatenal Financing' section on this statement, available to east you. You can reach an Advisor by pressing 0 after you a or your ac"unt you win not incur periodic lam cherga on any Remaining Balance that appears in that number. section t you pay that Mlam in full M the applicable Expiration Date. To avoid fiance Crrldtte9 0l Payneate: For by reguar U.S. msg. aeM at least you minimum clarppeecc on new pu arses when your Ifm Saance includes u7 Remaa ining Balances) in payment due to our poet dll"?deet9mt fa aynentc shown on this swemen. Your the Oa" Fromotloal Financing section. pay your full New Baham anus the total of pgmenle DY nrnl mint tanpry wth the Irobldlioa on ihs statement, and must be made those Ramninbq Balance(s), by the date and tiro your payment is due, However, a your Dy cheek or money Omar, DryryaabN m U.S. Doors, and dam ou or payaate through a U.S. etotamem sows that a minimum payment is due. we rtaet receive at least that ni mium fi1aI1e91 uslnutign a DN U.S. M11CIr of s lorolpn financial iattiulbn. Oo rat Feld cesR Payment by the dab and time specified on your statement, even N your New Balance ...._ aaolyd rmDeran your check a money order. hymentt must be accompsNed cmmete only of Ousliymg Promotional Financing balancers. ymem ceuppn fn the emetop provided with our addrosa visible through the Widow: ill envelope annot"nialn rtan tan ore paymentor coupon: and there ebplas, gaper dupe, tape or "mappmem incWded wih YO. = If your i 111 ec"Ida11Ce Wlh Our paymeN IrotnllellMO and is made an, 10 m on any 1 December 25 by 1:00 D.m. bcet tine et our poet oNiee Mx due rated for on Mb slatameN, vw wll add Me payment b your sC"_ u N that day. If iced is in saordana wih our Myment.... m. but K made available to us p.m. Weal tare at our pat office box designated for payments on this statement. eM it to your account. as of the next day IIyou do not folow our payment n or g your payment is not set by regular II.S. mail to our post office box 1 for payments, duckling of your payment may be delayed for up to 5 days. made ebdronsaly iMough our automated telephone service, Cuctomn Service or our web site wll M sublect to any processing times disclosed for those Animal Information Ra boded Is Credit Bmeoua We may notion information about your account to audit bursa. Lab payments. mlesed payments or other defauM on your account may be rehected in your aade report. 11 you think we have reported iamurarm irdomstion to a credit bureau, you may wee to us at the Cardmember Sawa aMress hated on your baling statement. Nolke About Bedhoak CIaA Comsnfolk When you provide a check as payment, you autrrte us ether to use INorratkn from your check to make a one-time elactrond fund header from your account or to proms the payment u a check transadion. When we use information from your check to mall an electronic fund frontier, funds may be withdrawn from your account as soon as the same dry we receive your owned. and you veil not receive your check back from your financial lnaeuMn. Con the customer service number on this statement E you he" questions about electronic clack collection or do nil wee you payments collected electronically. Cbdillonal MMlamb: Any Payment check or other form of Payment that you send is for lea then the hil Mina due that is morked *pad in ful" or contains a similar notation, or tat you othwwiu tender in full satisfaction of a disputed amouni. muse be sent to Card Serwcse, P0. Nos 15049, Wilnirglon, DE 19850-5049. We reserve IN our rgMS repardnp lase aym muss (e.g., tit s determined flues is no valid dispute or X any such cMCk s fecehed at any other address. wo may accept the deck and you will still owe any nmainng balance). We may rolm to accept any such payment by returning n to yw, not cashing it or destroying d. AI other payments that you make should be sent to the appropriate Payment address. Anaol RmmnI Naha: II you account has an annual lee. X wet be billed a n your or in A I imtI- whetha a na you fate your aaOUM. all you apse to a N when of the do as biped. TM cruet Im is non-MuMadi uNea you By uc ItW you wsh to .a your account Within I on uged and of the eana Ilene. You DaY your oulsbrudirupnee nWL t our pay and of ch the animalfea00m tat ofect our (talebC yWrif UNandt01mtyour rigte to mall Iramactiort On your acbun. If y0a azceunt K closed b?/ y0P IN Ye, we WR COnimOe 10 charge the a.W la. you aY your outstanding tea m in full and mirrinas your acooum rename hip. Elplalalka of Flamm Carla: We calculate periodic fiance charges, usep the applicable periodic room shown on this sustained, saammly for each feature (e.g., bxionce transta/amenmke chocks and all advance dKKks ("Check transaction"), DwOha505, balance Inmfen, ash advances. Dromolieal between or overdraft advances). Than calculations may cornDi a dllemut categories with the same daily periodic raise. N tare is a'V" next to a per odc rate on Ibis statement, that rate may vary, and the Index and marrgpin used to dot rouna that rate and its cowmPonding APR are described in your Calibre of Agresti as amended. There is a minimum fmarece charge in any boring cycle in which you owe any periodic finance charges. all a transaction finance charge for each balance transfer, ash advance, or check traroecrn, in the amounts stated in your Cardmember Agreement. as amended. To tae the dairy elands for men ay of the current Manna cycle, We take the beginning Date for each feature, odd any now tnasctWa or other debb (including hem, unpaid fiance charge and punier denial, sudred any parri or credits, and make other atljuammNA 1ra1.n u?"- mend to wur of ther or?a later ate of our came (of the @=of ttat Face am added dhr on the gate of a relow lnneacou account. or the lot day of the billing crie This gives us elan" s tmtd as a balance of zero. n a dallyoeradk iiN the da w herancs M the ail periodic rate to dot von aey an;X1 ,v, charts each day.) N this aalemeN arms a provers cycr average othe deny Mhm ourchaw. we do the same thing fa each av of the proviam e fa to pet of purdam for the previous Wig cycle. Nowevor. the daily Ea lance for previous biting Cycle ptac,Xaa is cenalderad to be zero for each day of the previous bitting cycle it a perodd team charge war; sled/ billed on purchase eem¢ed on your previous statemae or we received paymeN of your New Balance on your Previous statement in full by the dab and time your ayme t Was (ue. To ppeett you bat periodic fire= charge for a ofaing cycle when a daily periodic mule) appl'a, we add cep of the daffy periodic fiance ellroa for AN fatwes. To determine an average do'dy Mtn", we all your daily Mlancm and dvide by the member of the days in the appku§la going eyche(a). II you multiply the rownpe say Mlenei fa each feature by the appliabfe daily paadW me. VA Utah mulpN aesl 0fthen wts by the number of days in the applicable being cycrai all thin all all of the rating together. the total will also usl the omWd bare cfwgn iortM bill g cycle, except for mlror wratba d" to foresight. To get you Bond arkdic fiance charge for a bilf? cycle when a moNhy coo A y nU(c is rraallljaa l lu t resuua ttoogetheer. balance olladlr ew?egwi tho lu manic arum chap" for IM being cycle, exceDl for err nations due to Murirg. arse Period let Intl 20 aye): We acer" Periodic fimma djnr on a tnmaceon, in. or finance charge from the date it is anted to your any balance ante aymem in lull is received on your account. Xowevar, we a not charge periodic finance charppeec on new purchases billed deep a pill CyNe l we mew both ayment d yourNew Bslam on y0w current statement by IM date ear lime you DaYmromll is due and alb payment of your New Balance on your previous statement by during the promotioml WiDd but are not added to your accouN balance. Instead they aaumuWe from bill cycle to tilling cycle The is referred to as *deferred 'ntarest.' N a deferred iniaeet Ompryllg promotional Financing balance is mf pail in full by the aw?o^xthe fiprd aynafterlhehEzDkatpen ate unMrgAyowupaNato youraroas under terms of ur Grdmember Agprreement, the deferred finance charges ell be added to your account as soon as the ate of Cfo BILLING RIGHTS SUMMITRY In Can of Enamor Q9atioa Abut Your Bill: If you think your bill is wrong, or a you road mom information about a transaction on your bib, woe Cardmember Service on a separate sheet at P.O. Box 15289 Wilmilon, DE 19850-5299 as soon as possible. We must hear from you r later than 60 days after we set you the fist bin on which the ems or problem appeared. You can telephone us, but doing so will not preserve your rights. In you letter. give us the following infamafion. • Your name and account number -The dollar amouN of the suspected ems v Describe the error and explain, a you can, why you bak" them is an am It you need more inholnatlon describe the am you are unsure abort You do no have to pay any amou d in question while we are inved%pstng, but you are still obligated to pay the parts of your bin that are not in question. White we Imleetigste your operation. we comet noW you as delinquent or take ecru to collect the amount you question H You haw authorized us to pay your credit card del automatically from your savings or eheekng wcould, you an stop ill ayment pe a1y era'" you think is wrong. To stop the payment, your letter a all (uargthe GrdmemMr Service a0rea or telephone number shown on this statement) must reach us at least three business days before the automats payment is scheduled to occur. Special Ride ter Credit Can PoreMSec: If you have a problem with the quality of goods or services that you purchased with a credit card (excludemg purchases met with a check). and you haw tried in good ladhlo correct the problem wtlh the mercam, you rmy na have to pay the remaining amourd due on to goods or services. You hew the DrolecMn only when the purchase price was moue than S50 and the purchase was made in your hoes state or within 100 miles of your meting adders. These limkatiohe do not apply A we own or operate the machard. or d we maned you the advertisement for the property or services. MAD51206 e? TC7 Cfl ?J C7 Q! 00 V7 V C co V CASE NO: 2008-07297 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND UNIFUND CCR PARTNERS VS HUNTZ JAMES 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 HUNTZ JAMES the DEFENDANT at 0019:36 HOURS, on the 22nd day of December , 2008 at 601 RUPLEY ROAD CAMP HILL, PA 17011 SONDRA HUNTZ by handing to WIFE OF DEFENDANT a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge J/o)kb L?" So Answers: 18.00 13.50 .00 10.00 R. Thomas Kline 00 . VL 41.?0 12/23/2008 EDWIN ABRAHAMSEN & ASSOCIATES'----------? Sworn and Subscibed to before me this of By. day 4(x!/Deputy S A. D. Michael S. Travis ID No. 77399 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravislaw.com Attorney for Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 Plaintiff vs. CIVIL ACTION 08-7297 Cumberland County JAMES HUNTZ 601 RUPLEY ROAD CAMP HILL, PA 17011 Defendant ANSWER TO COMPLAINT NOW COMES the Defendant, James Huntz, by and through the office of the below signed attorney and answers the Complaint as follows: 1. Denied. Defendant is without information to admit or deny this averment, and the same is denied. 2. Admitted. 3. Denied. Strict proof of the Plaintiff's status is demanded at the time of trial. 4. Admitted. 5. Denied. Defendant demands proof of the ownership status of this debt and that Plaintiff is entitled to collect the account owned by Chase. By way of further answer, Defendant believes that Plaintiff may have purchased the debt at less than the full amount due in which case Plaintiff would be unjustly enriched by receiving a judgment of the full amount due. 6. Denied. The Chase card member statement speaks for itself. 7. Admitted in part, Denied in part. Admitted that the Defendant used the Chase card account ending in 6079. The Defendant cannot recall the nature of each purchase, and strict proof is demanded at the time of trial. 8. Denied. The document attached as Exhibit C speaks for itself. The Defendant does not recall if this document was mailed to him. 9. Denied. Strict proof of the default is demanded at the time of trial. 10. Denied. Strict proof of the default date is demanded at the time of trial. 11. Denied that the amount due was $7,760.45 at the time it was received by Plaintiff. Strict proof of the assignment balance is demanded at the time of trial. 12. Admitted. 13. Denied that the total amount owing Plaintiff is $8,906.88, strict proof of the amount due is demanded at the time of trial. 14. Denied. Strict proof of any payment of attorney's fees and court costs due is demanded at the time of trial. WHEREFORE, Defendant prays this Honorable Court to find in favor of the Defendant and issue judgment against the Plaintiff and issue such other relief as the Court deems just and proper. is ravis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravistaw.com Attorney for Defendant Date: f d d f1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 Plaintiff VS. CIVIL ACTION 08-7297 Cumberland County JAMES HUNTZ 601 RUPLEY ROAD CAMP HILL, PA 17011 Defendant VERIFICATION The statements made in this Answer are true and correct to the best of my knowledge, information and belief. 1 understand that false statements made herein are subject to the penalties of 18 Pa.C.S. Sect. 4904 relating to unsworn falsification to authorities. Jam(s)Huntz, Defendant Date: ??' fiT.,6 f IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 Plaintiff vs. JAMES HUNTZ 601 RUPLEY ROAD CAMP HILL, PA 17011 Defendant CIVIL ACTION 08-7297 Cumberland County CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Edwin A. Abrahamson & Assoc. 1729 Pittston Avenue Scranton, PA 18505 Michr S. Travis 3904 Trindle Road Camp Hill, PA 17011 Attorney for Defendant C) C* Q C= -n rn