HomeMy WebLinkAbout04-1829IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6,
LLC, assignee of CHASE MANHATTAN
BANK USA, N.A.
-V$-
Plaintiff(s)
URSULA M. GRIFFIESWARTZ
Defendant(s)
IN CIVIL ACTION
COMPLAINT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA I.D. No. 37942
Charles F. Bennett, Esq.
PA I.D. No. 30541
Joel E. Hausman, Esq.
PA I.D. No. 42096
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213
Telephone: 412-682-1466
Fax: 412-682-3138
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6,
LLC, assignee of CHASE MANHATTAN
BANK USA, N.A.
NO. o?../t,2q
IN CIVIL ACTION
Plaintiff(s)
URSULA M. GRIFFIESWARTZ
Defendant(s)
NOTICE TO DEFEND
YOU HAVE BEEN SUED 1N COURT. If you wislh 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 de:tenses 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, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH
INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY
BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES
THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A
REDUCED FEE OR NO FEE.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
1800-990-9108
2
COMPLAINT
Plaintiffis a corporation having offices at 1717 Central Street, Evanston, IL
60204, and as the assignee of Chase Manhattan Bank USA, N.A., stands in its
assignor's stead, and all are hereinafter referred to interchangeably as "Plaintiff".
At a specific instance the Assignor sold, assigned and transferred to Plaintiff all of
Assignor's fight, title and interest in, and to the agreement between Assignor and
Defendant. Assignor had the right to assign the agreement. A copy of the
Affidavit of Sale and Authorization is attached hereto as Exhibit "A".
3. All conditions precedent to Assignor's right to be paid under the terms of the
contract have occurred.
4. Defendant is an individual whose address is 511 N. West Street, Carlisle,
Cumberland County, Pennsylvania 17103 - 1965.
At a specific instance and request of the Defendant, the Defendant applied for and
was granted a credit card by Plaintiff at the terms and conditions agreed upon by
the parties, as is more specifically shown by the Agreement, a tree and correct
copy of which is attached hereto, marked Exhibit "B" and made a part hereof.
The Plaintiff avers that the agreement between the parties was based upon a
written agreement which the Defendant accepted by' using credit card to make
purchases and/or cash advances.
7. Thereatter, in breach of obligations under the Agreement, the Defendant failed to
make payments as they became due.
8. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement.
9. Plaintiff avers that the balance due amounts to $9,680.61.
10. Plaintiff avers that the interest has accrued at the rate of 18% per annum on the
balance due from January 8, 2004.
11. Per the term of the agreement, the Defendant has agreed to pay to the Plaintiff as
liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing, which Plaintiff avers will amount
to 20% of the balance due.
12. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and refused to pay the amount due to Plaintiff or any part thereof.
WHEREFORE, Plaintiff demands Judgment against Defendant in the principal
amount of $9,680.61, with appropriate additional interest from January 8, 2004, plus
attorneys'fees and costs.
APPLE AND APPLE, P.C.
B~A~orneys for ~mtlff(s)
AFFIDAVIT OF SALE
41169304
STATE OF TEXAS
COUNTY OF BEXAR
1. I, Frank A. Juarez, am Assistant Vice President of The Chase Bankcard
Services, Inc. and am authorized to make this affidavit on behalf of
Chase Manhattan Bank USA, N.A. (Chase).
2. GRIFFIESWA=RTZ, URSULA M had a credit Card account with Chase, account n
5491045000072504. The account was sold and transferred to
BUREAUS INVESTMENT GROUP #6, LLC., on
(date of sale)
3. At the time of the sale to BUREAUS INVESTMENT GROUP #6, LLC., the
amount due pursuant to the uerms of the cardholder agreement
between Chase and GRIFFIESWARTZ, URSULA M was $7237.15.
4. Your deponent states that to the best of deponent's knowledge,
information and belief that there were no unaccredited payments, just
counterclaims or offsets against the account when it was ~old.
5. Your depone~K:'ackowledges that in making this affidavit that
BUREAUS INVESTMENT GROUP #6, LLC. is now the owner of said account, and
authorized~t~ collect, settle, adjust, compromise and s~sfy the same
and that Chase has no further interest iF.. said accoun/for any purpose.
Cha se/~a~ 5 a~~USA, N.A.
BY:Fra~'A~. ~uar/z~
On /~ , 200~ before me personally appeared ~/f~~ who,
being §worn stated he/she was authorized on behalf of 'Chas~ M~.atta~. Bank
USA, N.A. to execute the within affidavit.
t I'~('.~-~¥'t NOTARY PUBLIC ~
~,~F-~.~,~ STATE OF TF-XAS ~ ~ Notary Public
EXHIBI"
AUT~ORIZATIONAND VERIFICATION
41169304*l/T6CHl!02
STATE OF ILLINOIS
COUNTY OF COOK
MICHAEL SLOTKY BEING FIRST DULY SWORN, DEPOSES AN-D SAYS:
The undersigned hereby authorizes THE BUREAUS INC. (hereinafter AGENCY)
to take the necessary steps to initiate legal action through a duly licensed
attorney for monies owed to BUREAUS INVESTMENT GROUP #6, LLC. by URSULA M.
GRIFFIESWARTZ, of HARRISBURG, PA account no. 5491045000072504, (BALANCE:
$8,315.78) and do hereby authorize said agency to bring action in the name
of the undersigned and/or its own name as required by law, to take all
lawful steps necessary to enforce collection or effect a compromise
settlement, if in said agency opinion such action or compromise is prudent.
That the attached claim is, within the knowledge of the affiant, just
and true, that it is due, and that all just and lawful off~s, payments and
credits have been allowed, and BUREAUS INVESTMENT GR~~, LLC. agrees to
furnish competent testimony and evidence to ~f~ sj~ claim or any part
thereof when r~Uested by said agency or it~sfattor_ne~s.
- BUREAUS I5 .~_GROUP #6, LLC.
Subscribed and~s~w0rn to befo
My commission ~xpires:
PA
By:
Slotky ~
.y 20~.
Nora
Tha t::;,~a=m Manhmltan I~ank (USA)
c~ntaini~g your credit ca~, as either may ~ ~and~ from
t~ to ~me: YOU should ~ad the c~pleta
~div~duai ~ and joint~) who is msponsb~e mr you~ ~na~a
a~avts or agrees to ~e ~bJ~gated or, ,he A~SL~:, ~e,
~n "~uf ret~to The C~e Manh;L~ Bank (USA), 'Cam:
mWrs ~o ~a ~ase Vi~ a~o~ ~as~a~ard Cre~t Card(~}
~hich we;issue to-you. 'Ac~m¢ ~fefs t~ ?our C~se
an~or Maste~a~ Accent with us
~u ~sk~, ~U aqrea o s gn [1 pmmptN u~on r~e~pt,
~nay use ~'e C~d to ease dr ~UtC~ase goods ~nd to o~t~.
~ Pumhase{s)'). You may aisd use ~ha C~ ~o obt~n oans
I~e Care {su~ ~s cedain linancial institutions
s ~anca araf~ ~r automated WJle¢ machin~
t ai~ense cash upon entering a proper personal
' tf~tian number n addton ta the Ca~, you ma~u.e
~en , ): . .
- Whi~ wR~ssue to toil to.obtain Gash A~ances. We aa not
~rom~sa {ha~ even/one witl honor lbo Card or Ch~s, ~nd we
? [bern. We will nat be Iia~e ~ an~ memh~ a~y bank
omer person does not honor ~u[ C.~fd, Ch~k, ot diher
et r~ue5~ bt a Pumhasa er Cash Advent,
pro~ide any se~ ca maU~ av;lt~Itl Ia ~u by u~. F~ t~me
[o ~me ~cu may be ra~uir~ to furnish ~antiti~ii~ w~en
your C~d is present~ for use.
Chaining Credit' Mthout A Ca~. tf you at someone
a Ca~ A~an~, or ~ y~ur Aoc~unt n~ber
Fo~ Gold accounts o~, if your psmonal or bu~ine~
you au~r~z~ u~ Ie cn~ge ~m anmunI oI Ihe ch~ to your
ACCOUnI as ~ Cash
Use O~ Ch~. E~ Check contains your A~ount
number and may be used onl~ ~y the person(s) whose
name(s) is pdnted on ,I. ~h mus.[ be ~IeI~ and signed
n me. same way a~ a mgu~ perso~at chec[ A Cash
ny you ~n tt~e date we~y the Chex. You may not ~e a
Check to pay any ~unts you owe u~dar this Agreemem.
We ~o nOl ~ve ~o c~d~h/, ~y Ch~k
but will be identi~ed ~ it.
Cyadi[~ For ~etu~dl, Ii you obtain a retired,
~u~a~t cr credit ~or ~ Pu~cha~,~ made ,~ith
,~iII ~eive a credit 10 your Accent. ncI cas~.
":~lh~ri~tion~. P~rcha~as ~bcve cad,in ~ounls
ail ~S'h A~ r~uire our pno~ a~pm~aL Out p~Gt
app~o~l may oe required n oih,~r ~imut~l~s a~ wail
These ~pprov~s ~re c~led '~uthonz~tion~." We may lirnit
~ny ~ne ~y.
We am act. obligated :o ~ulhdnza ~ [r~sactian
~r~aid o~ 7obr~unI ar lo p,~y a Checx
"(1,~,Vour credit ~ine ~ Cast~ A~s~ tine ~as been
e~c~ed or ,.,~nuld be exceeded by the tr~sa~o~: (2) you
have failed Ia ~ay ~mo[Jnls owed ia u~ when due or have
failed lo toiloW ~lty of ,the ~e~s at lhi~ Agreement; (3) you
have nolilied u~ or we nave determm~ ~hai the G~d ar your
Chec~ have or may h&ve been ~t or storm, or that [he~e
m~Y be unau~adz~ ~cc~a ~o. yo. ur Account; or (~) 7ou
in default ~r 'to~ dghffi ~nae~ [hJ~ Agr~ment have e~pired
or be~n revok~
At ~j~es when our ~ul~onz~ilJon system is not fully
Ii
',working, we may not be able ic give our approval far
~eur auihonzation agent s~al be Iiabte fat ~at giving
I authorization. , ,
~ · Obligations On Your ~a=ounI. ¢Ou adhonzI us to p~l
: Adv~cas rc~uiling Irom the use a'~ I~e Card, Ch~ks
~ provideU 'ar under lhis Ag¢~mert, ~d a~y o[he~ amounts
~ preautnc~lzaQ c~ recurring cha~es an your Account (suCh
, ~nsur~ca p~emiums billed lo your A~aunt on ~ r~ular
r~arged l~ your A~ount und~ the t~s of ~e agreemenI
or po~rc:~ of the memhant). You may also be liable
mesa am~unt~ ~narg~ ~o your Ac~unl wheihm charged
~,.-~.~[ ,~ucn as ~v landing a person yoi¢ Card), or
other ~ers~n us ~. /~r Card 0'¢ your A~nunt with act.~aI,
¢arsan is obligated under thia~!]r~ement, we m~y
our ffmt as~ ng.~e other ~m~,~)to pay., , .
' Your O~d¢ Line, Your Or,it-line an~ cash access
pmven~ng the tol~l b~c~ ~n y~ur Acc~unl {rom
the credit line .nd the Cash Anonae. balanc, fram
exceeding the ~sh access line, You agree noi to make any
Ptlfc~asa5 or ~oo~Ia~n any ~s~ Advance~ lhai wcbld
~u'-u~d baIanc~-df your Acc~{unI e~eed these limits.
~greeZta pay it immediately, Ycu dso agree that we may
~e or c~ceI your credit line ~or Cash Acdass iina at
~.,, ~m~ without' nno~ nolic~ and ~iihm~t afl~ting yo~r
Agreement Any suc~ ~mange or cancellation mav result
~rom our ped~ review of the peflo~nce an ~our
andJo~ ~on~um~r credit repo,~s w~ may abta{~ /rom
cunsumer te~udng a~ercies (credit bumau~).
3
'All p~ym~nts must ~e m~ Oy ¢~x or m~r~y
pa~able in U.~. doII~, or ~uc~ other me~ ~ wa may
may. not be ordered or applied to your Accsunl for
your oef~d~e ~a[ement. Any paymen[ ins~ment ~ai ~s net
~oflcrsd ~.']oNr ~an~ ~tl not be appli~ to you, A¢~At dar
will i{ be ,elumed to ~ou. We ~aV, b~l ~e not oblig~ied
accapl a~y paymem thai is nOl df~wfl on lMe U.S. P~t Oflic~
' , ~i m~iiu~cn ~ted,~ ~he United ~tat~. ~e ma~
charge ,/au any ban~ cml~o~ fees we ~cu[ fcr =ny c~ec,
payments made 4n LJ.& ,~l~rs drawn 6~ a non*U.S,
~iilandm in~{itulian.
At our open, we may p~ii yOU to i~{p your mimmum
ualanca dunng such s~Ip '~enl per ~(S) ~d ?~¢ ne~t
Fequk~ minmum m~n M~(y~nl wilt be ~(culaied }n
acco~nce with ~e m~t~[ Io~ in lhi~ Agreement.
~e Minimum Monthly' p;i~eflt. Each m~, you
must ga
may pay ail dr ~y ~T10l your ~, e~gegt ~u . Y
· u~ a[ e~t ~our mmimum payment ~y the payment
S)lO~] (h~dcjng ~ch~oI4 mu(tiolJed by your Purchases
shown on ~ Pricing Sched~e mu~piied ~Y ,;/our Cash
Advances N~w Bamnc~ or $10 ior your entire Cash
3) any pail dtie ~rnuunl;
4
~h~ in ~ ~le dis~mli~n. ~l~u[Ih we ~l your
peyme~ls ~n l~a d~te we r~ei~e ~hem, the c~adit
in~llt[llion an which tim item al ~aymeni was drawn, In ram
Pay us tot any credit halan~is) that
error, ~
~nanea Cha~. ~n~c~ Char~ on ydur Account
r charg~ dn Purchases b~an~es and a Casii Advance
Iranian;lion ~ee, This Agreemenl pmvide~ Io~
.... compounding al Finance Charges.
Charg~ determ,'~d by a penodlc rah ts figured =eparate y
td~ Purchases ~d Cash Advents, bul th~ melhod
balance, ~nctudlng new transacI
Pumhases and Ca~ Advances. Each awarage daily balboa
,Cha~e in the ~q~unt ~et Io~h b lhe~ Pdqing Eche~ute
a~l~'for lha computation ot the averatle dally batanc~ br
~u~ch~es multiplied by the m~nlNy peri.it rata. ,:
Avtra~l ~8tly ~t111~. Here t~ h~wJwe
determine each ol your average d~lly balances, For ~ach
~ay jntthe bring cycle, we.take lhal day's beginning balance
~l PtJmhasas or Cash Advances on you r Account, add ~any
a~m~dal~ balance and subtr~ an~ ~ay?nts
~ily ~alance lot Purc~a~ and
~AdvarlCes, We lhen add up all Ihe Purc, na~es daily balance-
&n0 a ha Cash Advancr~a dm~ ~alarlc~! tot Ih~ bdlmg
cycle, add dvde eacrl ~um ey ~e ~umbe~ el ~ys in lhal
~Putchasa~ and Cash
. Padodl~ Rate, The monthly pe~di~
balanca~ ~ntI Ih~ c~rrespuDdln~ Annual Parc~nl~ Rate~
~a In the Pr cng Schedule, It Ihe Pr?g 5cnadul~ i~ctud~
"Variable Rat~ ImJe~ and Mar{lin infnrmatJm~ Io~ .any
p~nicular rate ~at aix~ties Ia' your Acc~u~l, Ihal rate I~ a
var ab~ rateand the?s~lesuras' ~low regarding variable
rates appty IortDat rate, f the Pricing Sch~uie
~nClUea such 'Vanable Rata Index: and M~? information
~or any pa~icul~r r~l~ (as indicated by a~ "iliA"
apolicabie' or th~ absenc~ ol ~u~, ini~ma~ien in the Pricing
regard ~g vari~le rates do not apply,
- Account ar~ w~iebl~ ral~ (~ae pdcin~ ~chedule), they may
::o which we add a margin, ~e Index a~d m~gm a~ein the
P~idng Schedu e "~e Index. phis the margin deteJ~:~e
~ominaI Annual Pa~cenlage Hate.
we tsa ~ ~atn. he n'mnthly peH~c~ta' for
the lowest P~me Rate published in The New Vo/~.~s ar
~,~o her newspaper W nati~n~ citcWaliqn sel~J~y ~s.
~n~ ~ moses ol this Aa~eemenl, the Index ~ ~e[el~ a pricing
~, '~l i5 not, and ~hDukt not be CdltSlderad by yo J
repre~int, Ihe towest or the bas1 ,interest ~ate available to a
b~trowe¢ ai any pmticuiar bank al any given time.
Adv~nc~ increases whed Ibe Index increases on ~he
!he relevant date, An mcreasa in [t~e rate means you pay a
~alger Fin~c8 Ch~ge and a h~ghet minimum mont~)ly
payment. ~ d~rease in the rate means ymi pay a sma, er
PiN.ca C~afge at~'d a lower mm mum monthly payment.
~ere is no hmit on the am~nt'~ whic~ lbo monthly
~eri~dlC ate and the cdrres~nd~ngAnnu~ Pemenlage Rate
For ~nsta~(~, ri Ihe Annual Percentage Rata were Ia increase
HP LB,Sr-.RJE, 3ZOO
FInana Cha~es ara imposed nn Pumha~s ~a Cash
billing, c'tcla in. which th~ bansaaon $ po~t~ to your
c~cta ii.the Purchases balance(s) a tl~e star of Iha cycle
t~lal Purch~es:Prevmus Balance lh~wn on your ltalame~t)
b~lling ~cle. Because of lhe maimer in ~hich p~ymenli ~e
ap¢lied I~ your AccauflI, ~ny ~i¢~um due m~ ~a Cash
A~anca b~tanr~(s~ must al~ ba paid in order lo zvotd
Fioanca Charge~ ~n
lq~ms~J, wiiI ~ t~ealed as a Purchase, ~a ~munts
thai )nay apply other than as. described be ¢~w, ~e in
~nci~ Schedule, II Ine P~cmg 8c~edule indi~JJas
fllcrrnai{o~ Ihe. }ee or c}~3rge does not apply lo
~ccount. '
~{d al any time aunng the yea~
~ * Sees Slip ar Dupli~le Statement Fee. A fee imposed
f~ e~ch original or copied ~ales slip and dup ~Le
u m~es[ ~e 'Ie~ is. oof owed if a request f~ ?ch
~u~e~t reveals a billing errar as deflect by l~e Fedarm
Rese~m~oard's Regu at on Z . .
", La a Pavmenl Charoe. A tee iffposed for my
m~hlhiy p~y~ent whmh-is nO paid by lhe P~ymcni uue
(}ale shown on your monthly.periOdic slatemenL
,
Ove ,
7
~rJc ~g Schedule. Tlms~ slit~ a~ ~ignated ~y
~nneaf'J~ Jh~ P dcin~ SchJdu~ are: AL ~Ala~.'~L b~
}~;~i~i.t CO ~Coorado), IA (iowa), I~ (Id~ho), I~
~ 0~tl Carolina), OK (Ok ahoma) PA P~nsyt~nml, SC
[~o~lh 'ga~oli.a), UT (Utah), 'WV (W~t
~ C~d t Insurance, Ar~y credit in,urania offered
connecl ea ,~ilh. your A( count is optional, il you dm~e to
~ DetaulL your Acc mt will be. ~n deja,it and we ~n
require hat 1he Jol¢l oulsBnd~ ba ~ca ~e paid (ibis
~red I limit ~n affect ~d your A¢couni; (2} you fail to pay
~lount ow~ under this Agr~emenl when due; ar (3) your
abitiW lo payus is matefi,atly,impaifed (ind~di~,.?l not
iht a ed by 6~ against Vou), W~ [~.~l h~ve lo noli~ you
~ll~inn Of ~y amounts ~u owe U~ under t~la Agreement.
~endments To ~tm Agreement. We ~an amend
any d thu terms of this Agr~ment at any time, and we
~an ~et the elf~flve date ~ any such amendment. We
. ~wa~i~d~y I~w.' ~ amen~d.le~:m~ of this ~grgmm
las apply 1o all autstandl.~ unpaid indaet~aesa and
~harges, or impose a (e~ or char,~e not ~et fodn ~n this
greement will be effect]va only 'il You agr~ to ~. You
~gr~ lo an amendment il: (1) after ~0 days from fha
,we m~il the notioa of the 8hanSle (or such later date
indicted in the notice), ycu d6 a~t give u~ written
~Z) ~ntl USa IhS AG~UlIi (even it yOU wrala 1o
;ca~ilatJon. You a~ree I~at ydu wJii not tel to make any
Purchase or obtain any CeO Advancm after you have been
: ~een canc~ll~, n this event; yea must make other payment
. ma~ can?~.~_ ~-,,.~ on ,,our lccoum in haft. You ~lll
~ave miler any ot~F aor~ment w? you, ,
~eri~icat y from~ ~ne dr ~mre c~ns ~mer
Ac~ounL It you r~que~t, ~u will
cort~umef repod was requested and, il so, of the n~e and
a~m~ el~e ~nsumer te~Mmg agent/that ~mished the
re ~, You agree t~at we may s~ra Ac~?nt ~d othe~
~ in~rmation as well as information contai,~ Iff yoor A~oun[
application aha in any credit re~d On TOLl wit~ ?y et our
' ~aa And Change Of Yottt Add.sa, We
' . ,~temeni~ and noiico~ to either ut you. You promise to
~ca ~d securiN, your telephoee communications
ma?e monitored ~r.[~ord~. .
~cc~unt made in a toreign 'cu~ancy ara cdnved~ int~ ~.S.
'~mm~et ~atc or a government~mandet"d rate in efl~ Ihe day
~t~ans~tion d8~ ~ the peri.it s~atemenl posting date.
~Agreement became effective in Delaware where we
approved ,/our Account In addition t~ dlher ways in wh c~1
j,tou may ha~e indicated ~dtJr consent m be b~ind, items
Afire~mm~t a~lies m y~u ~f y~u u~e th~ ~ccou~L.
Delaval ~nfo~ament, We may de~y enm~9 or
entdrce any di our righls unde~ this Agreement withuut
~y o{ them.
~e~e~ahilib/, TI~e bvaiHity otany t)mvisi¢~ nl this
· ,deflm~nt. We ca~ a~i~[ Ihi~ AgreemaI~l and
~ lr~'~ Account ~o any third pa~ wimo~ nmic~ ~o ~ou.
You cann~ ass gn ~hm Agreement e~the Acc~u t ,
L~W That App es. The awS;~if,lhe Un{~ States
YmJ may ~ liable for the unautl~miz~ uae o~ your ~am,
,mil n~t be liable {~r unm~hodzed u~e that ~ ariel ydu
~nmi~ 'Chase BankCard S~PJ.;e~' Fraud Risk ~t Los~
' 9022 Phoenix
Can rot O~v ~mn by wntmO to P,O, ~}x 2 ~ ......
"~072.~22 or or~ v ~V ~alhng u~s tail free al
,' ?~d~ '~t ~h-Jars 'the~, or do~lbi~ unauthorized u~ of you
: ~;,]t,~ ~ ca~, your Iia~iiiW tar unauthorized .~?itl
ydur AccounI (or anyone ~ wh~rn you lend o¢ give your
same e~ent as you and that such authofl~ cannot ~ limited
bv you. Such auctorial will ~Jinkie un~ you revoke i~ by
n~ti~ing tis, oblaining ~he Card tn ~,~ur pl~ymd3l ~ess~cn,
a~d d ii i~ a Card is~u~ la ~ autl~z~ u~[. by also
Card or A~unt by an~lher person, such usa wilt not be
~il obii~ed to pay the pa~s of y(~ur m l lhal ~e
q~e[tion.
have 10 pa~ ~y F[o~a ghe~es rel~e~ to ~y questioned
~uflt ti we ~idn't m~ a ~i~take, ~u may ~ve ~o pay
~ha~8 C~g~, ~ ~u will have Ia m~e up ~y raised
paym~t~ ~n the questioned ~mo~t. In either case, we will
., Il. you tail to pay ~ha amount ~at we ~ink y~l owe, we
may reF~ yau aS delinquent Hq?v~, if ~{
repc~ you lo t~at you huu~a queslJarl abmlt ,/ol~ bill. ~nd,~e
' If we d~;'l follow these ~lea, we r:an't cc act ha firsl
purchased with a credil care, and you have tned Jn
't~ carted ~e pfoDtam w~th lha merriment, you may have the
se~ica~. ~efe ~f8 ~o limitations ofl ~lS right_ (a} You mu~l
:.yaur hem~ sl~le,~ ~, h~ miles of your ju~anl mailing
~tl~asa, and {b) ~ae purchase pfic~ must have been more
~an $50,
T~ese lim~mticns do not appty if we own or operate tfm
me~chant, ar ii wa maii~ you the adve~ia~i
~' " }HE CHASE MAHHAlffAN BAHK (USA)
I2
u~ ~:~ IL)
?ha Chase Ualnhal~an lalnk (USA)
I Dellnltlone..~is Agmemm~t cc~nslst~ ol this d~ument
~nd ~e P~cin~ Sch~ule which appears on the c~rd ~rrie~
c~nlaining yo~ credit card, as either ~ay ~ ~and~ fforn
ti~ to time. You shnuld mad the c~plete Agreement
words '?~" a~d ~ouF mean a~y pe~n (ii m~e than ~e.
~diwduailV ~nd joinl~) who i~ responsible fd~ you[ Cha~a
~ba ~of Me,la,Card ~c~u~v incJudlng ea~ pemdn who
~cce~ts dr agrees to ~e ~bJigaled on the Accminl.
~d ~ur' ref~to The C~se Manha~ Btnk (U~A).
an[Eor Maste~ard Ac~mnl with
~lcss on ?tit l~on any person who
~ / ~Jtcha~e(~) ] YnLJ may ~I~O U681he C~d o o~ an loans.'
the Cora (~u~ ~s cettai~ linancJaI institLiti~ns that h~n~t
~s~ a~ance d~atts or 8uiamated toiler
~at .Cispense cash upon entenng a
~enti~i~tian number) In addition t~ the Ca~, you ma~ use
CBOE' ~a ~Eor E~Iar Checki~ c~c~s
~t~i~ w~ ~ssue to you to obtain Catch A~ances. We dO not
romisa hal eye,tone ,,~ill honor the Card or Ch~s. a~d we
pi lhem. We w{lt nol be tiara {f a~ me~chant, any
bi,er person rides not honor ~ur Card, Ch~k. dr olher
l r~uesI for a Purchase dr Cash Advent, or lai~ Io
rovide any semica made avaii~le to ~u by
~o I~me you may be raquir~ Id f~mish ~entihcaiiml when
~our Card is presenl~ ~or use.
, Ob~lniflg Credit ~thout A C:a~. If you dr someone
HP .L,~tSER.tET 32(ll'~
~ Ca~h Advanca, or g~e~ your Accounl n~ber lo ma~e
eurcha~ or obtain a Cash Advance witho~ pres~tlng the
Card (such as ~or a ~ail or~ or ,a telephone pur~haae),
[[yQu sign a Ch~, Ihe lega eff~l 'aitl be the ~ame a~ ~t the
~r Geld accoum~ o~, il y(~ur personal or bu~ine~
chec~ m ca~hed al a partWipaling organization upon
you authorize u~ t~ cha~ge me amount ct Ihe check to your
~se Of 6ha~. E~ch Check cnnlains your
number and may be used only by tl~e per, ohio) whose.
n me lame way a~ a regular pers~aJ check, A Cash
A(~ance ,a co~;demd ~d na mace ~nd the {unds received
ny you. on ~he date we ~y the Ch~k. You may ~[ usa a
Check to p~y any ~dunts you owe under this Agreement.
We []n ~Ol have.lO ~8~lhj,~l Ch~k and we are
but will be idenlified',on
6~ed t~ ~or, Re[tmd~, Il yOtJ obtain a, refund,
will r~eive a or,dike;your Accufit. not
Return of ca~i ~d C~[ We have the dght to
all Cash A~c~'*; ¢~uire our pd~)[ approval. Out pdor
approval may be required in 8thmr circum~tal~s as Weft.
limed approves are c~led 'authorizationS." W~ rna~
the number o[ aL/thodzatJons we will give your Ac~lsunt on
~¢qtCard d~ yn~r.At~nunl or lo pay a Check jr:
"(1,) Your credit line o¢ Cash A~e~ line has been
e~ce~ed or -,nutd be e~ceeded by tho lransac~o~; (2) you
failed to tallow any ot the le~ of thi~ Agreement; (3) you
118V8 ~olJli~d US or W~ have dgtetmined thai the Card ar your
Chec~a have or may-have bean last of s~Wn, or ihat lbeam
[n default ~r your dgh~ un,er this ABr~menl have
or be~n revoked.
At limes when our aulhodzal:lon system is not fully
HP L~-]SER.IET 3¢0,~
Isec~lfi~ reas~nf we ~nul e~l,~in ~e ~lai~ o( hnw our
~ur aulh~fizalion agent ~h~l be liable I~r ~ol givin~ an
aulborization,
ObllOatton~ On Your Ag:aunt, You amhmize ua to pay
a~ charge your A~oum for all Purcha~e~ and
Cash A~Nancas, any Finance Char~es and Other Char~e~
~lhat you may owe us. You are al~o-res~nshia [~t any ,
~ ]nsuraAc~ p~emitJms billed lo your A~aunt o~ a re(juta~
c~arged to your Account Und~ the te~s of the
cadai~ ij~latJt~O~Zed use oJ ~/OUf Ca[d o~ y~ur AdCOtlflt,
ymL a p~f~ou whom you perusal', lo obtain credit on ym~r
replied or apparent aut ~er ty (df suc~ u~e. 11 more lll~
parson is ob ga~d ]oder thi~ Aureeme'nt, we may requ~r~
our fret ¢s~i~g;:~e olher person(~O to pay,,.
Your O~eifbifle. Veer Credit line a~d cash acces~ line
the credit line and the Car Advan~8, be ar)ce rom
Pqrcbases or to4biain any Cas~ ,Advances thai would make
~¢-unpaid balmier-dl your AccmJnl e~eed these Il,nils.
ym~, we may demand that you p~y tl~e excasf and ydu
agree' to pay it immediately, ,You also agree that we may
any time without pno~ notice and witho~t affecting your
oblige on o pay amnunls Ihat you awe under
Agreemenl, An~ such cha~ge or ca~cetJalJOn may result
anc~nf d~n~umer credit repo~s wa'may ~biain from
consumer repealing agar, les (credit l)ureau~).
~nm receive any padicular s~tm~e~l~
'All pay~nts miler tie m~ ~y o~x or ~no~v or~er
payable in U,~, doilam, or auc~ ether nmos ~ we mav
may not he pr~a~sed or applied to your Accoun( (or raas~n~
yOUr per~)dlc ~talemerd. Any payment mstmmen~ ~al Is et
honored by your bank w~ i riot be applied tO youl A~sUnl
wii) ~1 be ~etu~ned id you. We mav, bul ~e nO~ ~t) ~ated d,
acco t an payment that is )~dl dawn on the U.S. P~i
: or a (~an~al institution (~ted,in the Uoited Blare. We may
~. charge Vau any ~an~ children lees we i~cul for any chec~
~[ll~fl~i.l ~n~titut fin
At our op~Ion, We may p~mt t ~tOU to skip ynur minimum
monlhiy payment lot nne of more momhs without penalty
bm~nca dunng such S~lp payment ParitY(f)r ~(J yOUr
requirml .nlm~l~ mOnU)ly paymenl wili~,be: ~tculated in
~a Minimum Monthly pa,~ent. Ea;n ~th, you
may pay all o~ any part al you~ namnc~, e~epi ~u must pay
tJ~ at leaSl/our ~m~irnum payment Oy lhe payment Due
' · 1 tle agjer afnoun( bi lt~e mlmmum paym~.~ .a ,.
sho~¢an the Pddng ~chedule mu t p ed by your P
h~ew Balance or 51d 'or your entire Purchase~ Ne'~ Balance
shown on the Pricing Schedule multiplied by your Cash
. A~a~cas New ~aiance o~ $10 (or your entire C~h
A~ces New eal~ce ~f it ~s Je~,s tha~ SlO}; plus
3) any pasl due ~rnourLt: plus
4~ af ~)ur optJmL any amount Vou owe in e~ce~ bt ~c~Jr
-q
4
Ap~llGatJon Ot Pa~ent~. We tea',erie the d~ht to
aOPlV Ihe ~aymen~ on your At. Dun: ~n any m~ner we may
Ch~ ~fi Ou~ ~ie discretion. Alihouqh We ~1 your
paymehls on t~e date we r~Ne [hem, tl~e c~dit ~vailabte
ot~ your Accou~ ~re subject Id tinal payment by
dmumktances, m~todng Ihe cr~it available to you by
reasc~ of your ~yments may be ~dher c[alay~,
C~dit Balances And Ove~ments, If them i~ a
credit t~atanc~ on your Account or ~u make ~ ove~ayme, t
which cteata~ a credit balance, we will apply ~t to futur~
amounls dWed. If you ask, we will ~tund ~iny Credit
owed lo you. Even if ~ou do not a~k, il' a cre~t balance
wiIt au~omaticaJlV send you tl~ credit balance outs~Jng
Jha[ Jibe. We nlay charge m ydut Ac~uni and you agree
pay u~ tot any credit halanc~(s) ~hat iS (afu~ed to
etrdf. ~
Rnanea Chance, ~n~c~ Charges o~ ydur
include m~e determin~ by a ped~ic ra~e, a minimum
c~arge dn Purchases b~ancas and a Cash Advance
Iran~a~tion fee, This Agr6ement provides Io~ ~he
cornp~unoit~g ol F~nanca Charge~,
Mlnh~um Pu~Ghaa~[ Finance Charade. The
tdt PuLha~es and Cash Advances, but the melhod used
lea cqmpulat~an (generally known a~ 1tie 'a~ota~o daily
bal~e, including new Iransacliofl~' mm~hod) ~s the same.
8eparale average daily batances are calcutated~[or
Purchases and CashAdvancas. Each average daily balboa
~ muiIiplied ~y a monthly permdic rate. A rnmimum
,C~a~e in the ~unI 5et JoMh ~n the ,Pdcing ScneduJe
appl~'Ior lhe computalWn dt tim averagt, ~ily balan~ far
Purch~es multiplied by the monlhly periodic tala.
' Average Daily aaianGa. Here Is how~we
determine each ol your average dally baian~a~. F~r .~ach
day in t~e billing cycle, we take thai day s beginning
- W Pu~hasas or Cash Advances on y~ur Accounl, add ~any
new ~urmase& n~ Cash Advadca~' dr debits
a~m~data balance and subt~ any payments dr credits
lmm l~e apprapMale balanc~ ~ df thai day. ~ls glv~
· ~ily ~alance lot Purc~as~ and ~he daily balance Icr
}b lng cy¢8. '~is g~es as the Averse d~ty b~ancaa
~Putchas~ and Ca~t~ a~ances.
P~dodl~ Mate, The monlhiy pe~di~ rate~
~pplWd Id Ibc Pu;cna~e~ a~d Ca~n Advances average daily
~alance~ and the co~msponding Annual Percentage
~am m the Pricing Schedule. if the Pricing Schedule
'"Variable Rate h.Me~ and Margin' information for any
particular tale {hal aN~t~es to' your' ACc~Ufll, ihat rate i~ a
,ratable rate aha the di~dsura~' t~low regarding variable
tales apply for't~at r~le, If t~e Pficin9 Sch~uie ~l
· i~cJud8 ~uc~ ~anable Rate I~ex and M~g~¢ ipJormaJion
for ~ny paAicular role (as indicted by an N/A for not
applicable' ~r the absence gl ~ucn ~n/~ma~ion iff tim Pricing
regardif~O vana~,e rates do nm apply.
corres~ndind Annual Percentage ~tate. mat apply Io
ACCOURI ar~ variable rater (~ee ~rJc:Jn~ ~ct~dul~), they may
il~8se tales are ~a~ad ~l~ ills value of an index (lt~e
~ [owJtJch We add a nargm ~e Ir~ex and margin are in the
; Pdcin~ Schedule. '~e Index pltl~ l~e margin determine the
'nominalAnnu~lP~tcentage Rate. ' h
.:~_lf the index ~s not pub iahed on the letevanl dam, e
:Mde~ we u~e n sa~in~ Ihe monlhlv ~eri~c tale
; Pumnasas an(E~r Caen A~vancas od ~o~' Acco[~nl will ha
the lowet[ Prime Rate ~ubiiihed in ~ New Yo;~ '~me~
~.~ o ~ef ~ew~per of nabon~ cimulatbn selec~d by
For pu~ose~ et this Agreement the Index il mer¢~ a pricing
mgfefent ihe iowe~t ~t the b~t inJaresJ tale available to a
borrower al any particular ban~ at ~my given time.
~, ,,~e mentNy' p~i~ mm far Purchases an~or
d~anc~ increases when :be Index increases on the
¢eleJ~¢,l date, and d~teaaes whet the Index decreases on
q~e ~emvanl {lam, An increase m me tale means you pay a
;alger Fin~ca Charge and a hJghet minimum monthly
payment. ~ d~rease in the rate means ymJ pay a smaller
kqn~ca CMarge ~0d ~ 0wet m nimum monthly payment.
~ere is no limit an the amcunl ~ whic~ the mon~ty
may change at any one ~me or over ~he lire otyourAccount-
%r instas~, If the Annual Pementaoe Rale were tO ~ncrease
HP LP, SE,~,]ET 3200
Fl~an~ Cha~es are imposed cn Purcha~ ~d 6a~h
bi'ling, cyct~ in which the transa~ion i~ poSt~ tO your
Iran~acBon i~ posted to yQJJf Acc~tml. FJna~ CJlafge~
d~ntlnue to acc~e uniil payment in tult is recaiv~t, Howewr,
U~ere ~ n~ Pt inhale ~anca Char( e for I monlhly b~llmg
t~lai Purch~es:Prewous Balance shpwfl on ~ur ~lalemem)
iS zee or il ~{ ii paid and cr~itad in tull hy the end d thai
b(llin~ Qde. Because d the manner in ~h~ch ptymeds ~e
applied l~ your AcoDuf)t, a~y ~nimum due mi ~a Cash
A~anca baled(s) m~t a(~ be paid in order Io avoid
~nanca Charges on Purchase~.
Fee, ~ou will ha ct~arged and agree to pay us a ~anaactio~
~dhedule for e~h C~h Xdv~lca tibet you r~eiv~.
~hef dha~e~. ~e'ldlowing fees an(t ~ar~s, when
~os~J, w~tl ~ trealed as a Purchase, ~e ~lOUntS
these lee~ and charge~; and any limitations dr t~lfi~ions
h ina a~ omer fl~an a~ described below, ae in the
~ing ~c~;~,a. l, ,he Pfici.g ~d,edule indi~te,
:- ~ccoUnt.
~lJ~ tn~l i~ owed by you whether ~r n~l ~out ~o[l~l
u6~(l at a~y time during the year.
, Sales Slip or Ou¢li~le 5atemant Fee. A fee impo~ad
f~t each or)gmal (~r copied sata~ slip and dupli~Le
v~u'¢e~esc ~e '(e~ is. nd. owed if a request f~ ~uch
~oc~J~'~l reveals a bitilng error as delin~ by ~e
, Lale Paymenl Charge. A fee imposed for ~y
m~nl~ly ~ymenl which is net paid by Jhe Payment
~aie show ~ on your monlhly peri~Jc slatemenL
' , Relum~ Paymenl Charge. A tee im~sed il your bank
7
il:'r.)tlnt gl' do ~ol apply as
~ appea~ n he Pdcir0 Sc~adu~ am: AL~Ala~.~), CA
~oun ow~ under thio Agreement wbun due; or (3) your
ablii~ lo pay tis s mate~{lly repaired (JndudinO, bt, it not
limited to, bankru¢c7 or in~oJuer~ proceed nga ii a~ are
Collection Co~ And ARo~oY~ F~ma. As pe~mitlad
by law, you agree to aay al[maaonah e attdmaV bas, court
an ~f th~ tefm~ of thi~ Aqr~mmnt
' Y ' uh anlcndmenL We
car ~et the e/festive dateT~
~will ~otifv you by mail of any such ammidmenl a'a
*~dJ ·, ,_ _. -,--*~ndtu~ unoaid ind~tedneaa and
Ga~- ~gpl~ 10 dll uutm~ ~ ,. .
wi~ic~ wooid increase fha rata ol Financ{ Char9e, Other
reemenl will be etfeutive only d you aor~ to R. You
}ndi~ied ~,, the notice), you da not give tis wrIRen
tl~ilc~ ~j~cting the chaflg, at
HP LRSER-]ET 32flfl
' C~flGaflaflo~, We c~ at any time with~[~
~ ~I your prNfleOes [mde~ this Agreement {and we
i~aur-Ca~ in warning bulletins). We w~II n~ti~
':compilaTion, You a~ree Ihat y~u wi[I not tpl lo m~ke ~y
, Pu[~has~ or obtain any Cash Adv~ca alter yo~ have be~n
, nNtl~ ~at your p~iiege tO use ~ CArd o~
, been cancalt~, in Ibis evil, you mu,~t make mher payment
; a~anga~nts ~or p[eau~he~zad ~ r~:urdng cha~es ~n y~ur
m~r ACCOUnl at m~y time ~y noticing u~ and "
mNc~icatty from o~a.~:Pt?~re Consumer ~epallmfl
Accotint. Il you raque~t~ yo J will be infomied wheflmr
consumer reDod was ~e~uested and, il so, ot he name and
addre~ al ~e mnsumer re~mg agenct thai ~mished the
re~, You egree trot we may si~are Account ~d other
inlormat~an as wetl as info~mafian coniain~ in your A~ount
, calJcn ant~ in any credit re~d en you with any of our
shown Jar jmi ~n our tile~, t[ il~i~ ul a joim Aacount, we c~
~teme~la and.notices to rather DJ you, You pmmt~e o
write to us ~t the ~ddress Ils~be ow. To improve customer
se~ca ~d securi~, your telephone communications wire us
m be monilorad or r~ord~. .
p.l
%.,
~,,~m, rnnve~ian rate ~ ~eneml][V; either a ~halesaie
'~ma[~et rate or a Oovemment'~and~ted rate m e~ the day
~trans~iion d~te ~ the patio-tic stammenl posting gate.
A~raemsnt sh~l not atilt t ~e v~ltdl~ ol any other pro = ·
You ~nn~ assign Ibis Agreement o the
Law ~at Applies. The laws ot the Un ~ ~tes
nntt 'Chase BankCard S~icas, Fraud Ris~ ~d
85072.~22, or o~allv hV calling us, t~tt ~ree al
your ~zount (or anyn m ~ whdm you Lend 0¢ give your
~ard) ia aumodzad o make charges I0 ?Ut A<ounI.?
same extent as you and lhal such authonW cannot ~
~vou. St~ch au~ari~/wii: ~)~.tle unlg you rev~e it by
ti~ing us, oh~inin9 lbo Card m ~our physical ~es~on,
cuttinn it in halt. If ,/ou receive a benefil Irom the u~
Carder A~unt b~ andlhsr pemcm, such use wiil not
HP Lr. SER--E, 2.200
~,~"~t vo~; ~:r~it ~imif. '/m~ dfl not have [o ~ay any
~estion,
'~ il, ~-find
h~ve lb pay ~y ~?n~cs Ch~ges ~la~ed to ~y questioned
ammJnt It we didnl m~a a mistake, you m~y We m pay
p~ym~m~ on the que~lioned m~o~t. In dither casa, w~ will
that t is due.
m~y refer y~ o~ deiinqti~nL Hewers, if dur e~planation
telling us tiler ym~ ~111 r?se ~o p~y, w~ m~ tell.~y?~ we
mit ~elt you the name of ~vone we fepo~
df, the qtie~Jion~d amount
purchased wl~
sea,cas. There ara ~o imimt ens on this dgb[;~{a) You must
faur hem~ stale, within 1~ miles 0f your ~enl ~ajJing
~e~cnant ~r ~t we maii~ 'leu the advedis~en~ fnr me
' " " ' THE CHASE MANHAITAN BANK [U,.A)
tj~l (t.t 595 ....
12
T£]'iF,L P. 1J
AFFIDAVIT
herein, verify that the statements of fact contained in the foregoing Complaint are true
and correct. I understand that false statements herein are made subject to the penalties of
18 Pa. C.S. 3~ 4909, relating to unsworn falsification to authorities.
Date
Address
City, State and Zip
SHERIFF'S
CASE NO: 2004-01829 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BUREAUS INVESTMENT GROUP ~6
VS
GRIFFIESWARTZ URSULA M
RETURN - REGULAR
JODY SMITH Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
GRIFFIESWARTZ URSULA M the
DEFENDANT , at 0832:00 HOURS, on the 29th day of April 2004
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
CARLISLE, PA 17013 by handing to
URSULA M GRIFFIE SWARTZ
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 .00
Affidavit .00
Surcharge 10.00
.00
28.00
So Answers:
R. Thomas Kline
04/29/2004
APPLE & APPLE
Sworn and Subscribed to before
me this /3 ~ day of ~
~-~ ~ A.D.
rot onotary -'~4'~''
By:
~puty Sheriff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
Bureaus Investment Group #6, LLC,
Assignee of Chase Manhattan Bank USA
N.A.
NO. 04-1829 civil term
IN CIVIL ACTION
-rs- Plaintiff(s)
Ursula M. Griffieswartz
Defendant(s)
PRAECIPE FOR DEFAULT
JUDGMENT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA I.D. No 37942
Charles F. Bennett, Esq,
PA I.D. No 30541
Joel Hausman, Esq.
PA I.D. No. 42096
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baura Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
Bureaus Investment Group #6, LLC,
Assignee of Chase Manhattan Bank USA
N.A.
-vs- Plaintiff(s)
Ursula M. Griffieswartz
NO. 04-1829 civil term
1N CIVIL ACTION
Defendant(s)
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter Judgment against the above- named Defendant(s) in Default of an Answer, in
the amount of $12,308.95, computed as follows:
Amount named in Complaint $9,680.61
Interest from January 8, 2004
to June 2, 2004 on $9,680.61 $692.22
Attorney fees $1,936.12
TOTAL $12,308.95
I certify that Notice of the intention to enter this Judgment was given pursuant to Pa. R.C.P.
237.1. A copy of said Notice is attached, and was mailed on May 20, 2004 by regular mail, postage
prepaid and, addressed as follows:
Defendant: Ursula M. Griffieswartz
511 N. West Street
Carlisle PA 17103-1965
Dated:
APPLE AND APPLE, P.C.
BY--tiff(s)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP 06,
LLC, assignee of CHASE MANHATTAN
BANK USA, N.A.
Plaintiff(s)
URSULA M. GRIFFIESWARTZ
Defendant(s)
NO. 2004-01829 P
IN CML ACTION
Ursula M, Gr/ffieswartz
511 N. West S~'eet
Carlisle, PA 17103-1965
Date of Notice: May 20, 2004
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU,
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE. A JUDGMENT
MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR
PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO
OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
1800-990-9108
James R. Apple, Esq..
Attorneys for Plaintiff(s)
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466