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HomeMy WebLinkAbout08-7557COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAVALRY PORTFOLIO SERVICES, LLC, AS ASSIGNEE OF CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK,N.A Plaintiff V. ARNOLD K ROOK Defendant(s) : CIVIL ACTION : CASE NO.: D8 -7-567 0'vilTeric, 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 IS SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE 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. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. CUMBERLAND COUNTY BAR ASSN 32 S BEDFORD ST CARLISLE, PA 17013 (717) 249-3166 Thomas Law Offices, PLLC DougTas M. Mari , Esquii Atty. I.D. #53144 Attorney for Plaintiff 101 North Cedar Crest Blvd Allentown, PA 18104 (866) 434-2993 12453398 r 1 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAVALRY PORTFOLIO SERVICES, LLC, AS ASSIGNEE OF CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK,N.A : CIVIL ACTION Plaintiff V. ARNOLD K ROOK Defendant(s) : CASE NO.: 4 P - 15S 7 & , ?,... 1. Plaintiff, Cavalry Portfolio Services, Llc, As Assignee Of Cavalry Spv I, Llc, As Assignee Of Citibank,N.A, ("Cavalry") is a Limited Liability Company with an address of 7 Skyline Drive, 2nd Floor, Hawthorne, New York, 10532. 2. Defendant(s), Arnold K Rook, is/are an adult individual with an address of: ARNOLD K ROOK 143 BRICK CHURCH RD NEWVILLE, PA 172419704 3. On or about 8/1/1995, Defendant executed a Revolving Credit Agreement ("Agreement")bearing interest at the rate of 10%. A true and correct copy of the Agreement is attached hereto, made a part hereof and marked as Exhibit "A". 4. The Defendant defaulted under the terms of the Agreement by failing to make the monthly payments when due. 5. The balance due and owing on the aforesaid application is $28,209.77 as of December 8, 2008. 12453398 6. Despite repeated demands, the Defendant has failed and refused to pay the aforesaid balance due and owing. 7. Defendant has not objected to account statements issue. 8. Defendant is liable to Cavalry on this debt as an account stated. 9. Pursuant to the Agreement, Cavalry may declare all amounts due under the Agreement immediately due and payable without notice or demand. 10. Defendant is in default of the terms of the Agreement and is indebted to the Plaintiff in the amount of $28,209.77 plus interest at the rate of 10% per annum as of the date of filing pursuant to the Application. WHEREFORE, Cavalry demands judgment against the Defendant in the amount of $28,209.77 plus interest from and after date of calculation, at the per annum rate of 10% and costs of suit. Thomas Law Offices, PLLC By: z oug as arinos squire Atty. I.D. #53104 Attorney for Plaintiff 101 North Cedar Crest Blvd Allentown, PA 18104 (866) 434-2993 12453398 EXHIBIT "A" It you fail to pay the amount that we think you owe, we m report you as delinquent. However, If our explanation doesay not satisfy you and you write to us Within 10 days telling us that you stilt refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tog you the name and address of anyone to whom we reported your account Intommtkm. We must tell anyone we report you to that the matter has been settled between us when it Is finally settled. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even 0 your billing statement was correct. Special Bunt J wOwIlt Csna?Pueebam If you have a problem with the quality of property or services that you ppurchased with a credit , and you have tried In good taittn to correct the problem with the merchant, you may have the right not to pay the remal tng amount due on the property mor servim There are ust have made the pur Ilmkollons on I your h? state e?or, If riot within your home state, within 100 miles of your current address; and • The purchase price must have been more than $50. These limitations do not apply If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 2 MM CWbw* (SCUM DMWte). N.A. 00401705 Rev. 03.05 pr. 09105 107004 03M CARD AGREEMENT IS Your Card co Agreement with us and g the use card carder, of your card and account. The card carrier contains Important account Information, lrnchaling your annual percentage rates and the amount of any memberstdp fee. Please read and keep these documents for your records. FACTS ABOUT RATES AND FEES For complete Information about these facts, please see the related sactions,in this Card Agreement. RATES--FRAME CHARGES POratmu and Cub Advmas APR See card carrier. All APBs based on the Prime Rate may vary each billing period. Default Alit: Prime Rate phis 23.99%. Ali APRs may automatically Increase up to the Default APR 0 you fail to omeke a Payment to us when due. exceed your credit line, Payment to us that is not honored. MIMMUm Flannoe Charge: $0.50. TRANSACTION FEES-FINANCE CHARGES 811ence Tranater Fee: 3% Of each balance transfer, $5 minbnum, $75 maxknum. POrchesnea Made In a Fwalpn Currency Fee: 3% of each purchase after its conversion into u.S, dollars. Cash AdraOCe For 3% of each cash advance, $5 minimum. OTHER FEES Late Fee: $15 on balances up to $100; $29 on balances of $100 up to $1,000; $39 on balances of $1,000 and over. Ovn-lhe-CredN-!Ma fee: $35. Annul Membership For See card carrier. Retuned Payment Fee: $29. Retuned Con"ence Check Foe: $29. Stop Payment oO COMMON Check Fee: $29. Rata, ten, and terms may Change: We may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information In your credit report, such as your failure to make payments to another credkor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit Inquiries, These reasons may also include competitive these reasons. will re If receive we make a change for advance notice and a right to opt out In accordance with applicable taw. 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Application of Payments: We apply payments and credits to low APR balances before higher APR balances. That means your savings wit be reduced If you make transactions that are subject to higher APRs. Payment Instructions: Payments are credited in accordance with the payment Instructions on the billing statement. You must pay us In U.S. dollars using a check, shlar instrument, or automatic debit that is drawn on and honored by a bank in the U.S. Do not send cash. We can accept late or partial payments, and payments that refled "paid In fug" or other restrlcttve endorsements, without losing our rights. We reserve the right to accept payments made In foreign currency and Instruments drawn on ftmds on deposit outside the U.S. It we do, we select the currency conversion rate at our discretion and credit your account in U.S. dollars after deducting any costs incurred in processing your payment, or we may bill you separately for such costs. Credit Reporting We may report information about your account to credit reporting agencies.- Late payrrerrts, missed payments, or other defaults on your account may appear on your eradiit report It you request cards on your account for others, we may report account Information In the names of those other people as well. We may also obtain follow-up credit reports on you (for example, when we review your account for a credit line Increase). If you wish to know which agencies we contacted, write us at the Customer Service address on the billing statement If you think we reported erroneous Information to a credit reporting agency, write us at the Customer Service address on the billing statement We will promptly Investigate the matter and if we agree with you, we wig contact each credit reporting agency to which we reported and request a correction. It, after our investigation, we disagree with you, we v41 tell you in writing or by telephone and tell you Iiaw to submit a statement to those agencies for Inclusion in your credit report. Changes to this Agreement We may change the rates, fees, and terms of this Agreement at any time for any reason. These reasons may be based on information in your credit report, sucb as your failure to make payments to another creditor when due, amounts owed to other credttars, the number of credit accounts outstanding, or Ere number of:cradli Inquiries. These reasons asay also Include competitive or market-ratafed factors. Changing terms includes adding, replacing, or deleting provisions relating to your account and to Ito nature, extent, and enforcement of the right= and obligations you or we trove relating to this Agreement These changes are binding on you. However, if the change will cause a fee, rate or minimem payment to Increase, we will mail you wdttea notice at least 15 days before the beginning of the bliting period to which the cbenga becomes effective. If you de not agree to the change, you must notify as In vatting within 25 days after the effective data at the change and pay us the total balance, etcher at once or under the terms of lbe unchanged Agreement. Union are no" you otherwise, ace of the card after the effective date of the change shelf be deemed acceptance of the new terms, even It the 25 days have not expired. Default You default under this Agreement if you fag to pay the fdtinlmurn Amount Due by Its due date; exceed your credit line; pay by a check or similar ktstrurrmnt that is not honorso or that we must relum because It cannot be processed; pay tha for baWn or eauloorkille fatl:it undderba ny other CCard Agreemmentftlthat you havepwit im if you default, we may close your account and demand Immediate payment of the total balance. If you gave us a securitf? Interest In a Certificate of Deposit, we may use the depos'rf amount to pay any amount you on. Refused of the Card, Closed Accounts, and Related Provisions Refusal at the Card: We do not guarantee approval of transactions and are not liable for transactions that are not approved, either by us or by a third party, even If you have sufficient credlt available. We may limit the number of trarrsacNons that may be approved in one day. If we detect unusual or suspicious activity, we may suspend your credit privileges until we can verily the activity. Preauibortzed Charges: If you default, it the card is lost or stolen, or we change your account for any reason, we may suspend automatic charges with third party vendors. If preauthortzed charges are suspended, you are responsible for making direct payment for such charges until you contact the third party to reinstate the automatic charges. Lost or Stolen Cards, Account ftumbam, or Convenience and balance Transfer Checks: If any card, account number, W y u o n O :s3 C3 3? C-t ?_ "? 1't?7 gaa .,% s m ?y ?? cs 3 3 -4tC4 m O 2 :s• N w O .'70La`C7T "•l!?.? M. aL7 RF??W ?t? `e 7 p p C N W L7od L--C 3 = a ° y n a O?'CA .'7 "??ZrZ ?. ra ?? R. ?a = a c,4 ??pr_hL7pdUS ?y y p ?? o m n=r3.? ITT-G??isQ?Z?`? •, -.o ° ° ? m c_.. 9 ? Odd sy 5 •. s? 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X10 ao o o 3° G m 1 = ? W 1 13 C j W m a''°i .m. D -• D1 W ?• '1 W '..( C m a t rn ° m a 3 3 m W°- y toC j ~O<nvs mno w°.<m c F? ° ?3on a--^? m?ro ?a ?e or° c? `?o °OC.< q 3 o 53°m mt° m m '?' ?M3 ?.C=W Nm °O 1 a°c h C R C c 0• W. n n ME N Q N ^f = a. n 3 H= m .t7r 1 4 -9 GD C ? ? I° ? [D N C ? ? y ^ G W . 1 71 r-: C? SHERIFF'S RETURN - REGULAR CASE NO: 2008-07557 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAVALRY PORTFOLIO SERVICES LLC VS ROOK ARNOLD K NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon DnnV TDN7nT.n V the DEFENDANT , at 1630:00 HOURS, on the 5th day of January , 2009 at 143 BRICK CHURCH ROAD NEWVILLE, PA 17241-9704 LUCINDA ROOK, WIFE by handing to 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 18.00 Service 9.00 Postage .56 Surcharge 10.00 .00 37.56 Sworn and Subscibed to before me this day of , So Answers': 9 R. Thomas Kline 01/06/2009 THOMAS LAW OFFICES By: 1xZ Deputy Sheriff A. D. .r3 f f"t SHERIFF'S RETURN - REGULAR CASE NO: 2008-07557 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAVALRY PORTFOLIO SERVICES LLC VS ROOK ARNOLD K NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon Rnnu AWNTnT n u the DEFENDANT , at 1813:00 HOURS, on the 8th day of January , 2009 at 143 BRICK CHURCH ROAD NEWVILLE, PA 17241-9704 by handing to LUCINDA ROOK, WIFE OF DEFT. 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 18.00 Service 9.00 Postage .56 Surcharge 10.00 .00 37.56 Sworn and Subscibed to before me this day So Answers : ??45e R. Thomas Kline 01/09/2009 THOMAS LAW OFFICES By: Deputy Sheriff of A. D. C C=w ro 7 :: r ;fi r N IN THE COMMON PLEAS COURT OF THE STATE OF PENNSYLVANIA IN AND FOR CUMBERLAND COUNTY CAVALRY PORTFOLIO SERVICES, LLC, AS ASSIGNEE OF CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A. V. Case Number: 08-7557 Civil Term ARNOLD K ROOK ANSWER OF DEFENDANT Defendant Arnold K Rook answers the Complaint of Cavalry Portfolio Services, LLC, as Assignee of Cavalry SPV I, LLC, as Assignee of Citibank, N.A. as follows: 1. The Defendant lacks sufficient information to either admit or deny the allegations of Paragraph 1 of the Complaint. 2. The Defendant admits the allegations of Paragraph 2 of the Complaint. 3. The Defendant denies the allegations of Paragraph 3 of the Complaint. The Plaintiff has failed to produce a signed Agreement. Defendant does not recall receiving an Agreement on this account and demands that Plaintiff provide a signed Agreement. 4. The Defendant denies the allegations of Paragraph 4 of the Complaint. The Defendant is working with a credit counselor in an attempt to resolve this account. 5. The Defendant denies the allegations of Paragraph 5 of the Complaint. Defendant disputes the balance due and demands a complete accounting of all charges and credits to the account. 6. The Defendant denies the allegations of Paragraph 6 of the Complaint. Defendant is working with a credit counselor in an attempt to resolve this account. 7. The Defendant admits the allegations of Paragraph 7 of the Complaint. However Defendant has not retained all statements to this account and demands that Plaintiff produce a complete accounting of all charges and credits to the account. 8. The Defendant denies the allegations of Paragraph 8 of the Complaint. Defendant disputes the balance due and demands a complete accounting of all charges and credits to the account. This document was prepared by or with the assistance of an attorney employed by The Legal Advice Line Consortium consisting of Legal Advice Line, LLC, Persels & Associates, LLC, and Consumer Law Associates, LLC; 866442-5669. 9. The Defendant denies the allegations of Paragraph 9 of the Complaint. The Plaintiff has failed to produce a signed Agreement. Defendant does not recall receiving an Agreement on this account and demands that Plaintiff provide a signed Agreement. 10. The Defendant denies the allegations of Paragraph 10 of the Complaint. Defendant disputes the balance due and demands a complete accounting of all charges and credits to the account. Further answering: 11. Since 2008 Defendant has been unable to pay the debt for the following reasons: Defendant encountered unexpected financial difficulty. 12. Defendant has repeatedly offered to restructure payments on the debt which Defendant can afford but the Plaintiff has failed or refused to accept such payments. 13. Defendant is willing to make payment arrangements with the Plaintiff. VERIFICATION The Defendant verifies that the statements made herein are true and correct based upon his knowledge, information and belief. The statements are made subject to the penalties of 18 Pa. C.S. Section 4 relat;rltv to unswo al 'fication to authorities. 2T , Arnold K Rook 143 Brick Church Rd. Newville, Pennsylvania 17241 717-385-3314 CERTIFICATE OF SERVICE , The Defendant(s) HEREBY CERTIFY that on this If day of -"A N k ftiEl 20?7 a copy of the foregoing pleading was mailed, first-class, postage pre-paid to: Douglas M. Marinos, Esq. 101 North Cedar Crest Blvd Allentown, Pennsylvania 18104 866-434-2993 Attorney for Plaintiff Arnold K Rook This document was prepared by or with the assistance of an attorney employed by The Legal Advice Line Consortium consisting of Legal Advice Line, LLC, Persels & Associates, LLC, and Consumer Law Associates, LLC; 866.4425669. r.? c P n f _ F