HomeMy WebLinkAbout09-0271IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS.
MARYANNE PELLETIER
Defendant
No: cq - oZ7t CtU???
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
07173964 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
MARYANNE PELLETIER
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff , CHASE BANK USA, N.A. is a corporation with
offices at 3700 WISEMAN BLVD, SAN ANTONIO, TX 78251
2. Defendant is an adult individual residing at 44 N HIGH
STREET, NEWVILLE, PA 17241.
COUNT I - ACCOUNT NO. 5466042006462343
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5466042006462343 .
4. Defendant made use of said credit card and has a current
balance due of $6045.88.
5. Defendant is in default of the terms of the cardholder
Agreement having not made monthly payments to Plaintiff thereby
rendering the entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the
parties provides that Defendant will pay Plaintiff's attorneys' fees.
7. Plaintiff avers that such attorneys' fees will amount to
$300.00
8. Plaintiff is entitled to interest at the statutory rate of
6.00% per annum from January 9, 2009.
9. Although repeatedly requested to do so by Plaintiff,
Defendant has willingly failed and/or refused to pay the principal
balance, and accrued interest or any part thereof to Plaintiff.
WHEREFORE, the Plaintiff prays for judgment on Count I against
Defendant, MARYANNE PELLETIER, individually, in the amount of $6045.88
with continuing interest thereon at the statutory rate of 6.00% per
annum from January 9, 2009 plus attorneys' fees of $300.00 and costs.
COUNT II - ACCOUNT NO. 4408041017516851
10. Plaintiff incorporates by reference each of the preceding
paragraphs of this Complaint as if the same were set forth more fully
at length herein.
11. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4408041017516851 .
12. Defendant made use of said credit card and has a current
balance due of $5487.31.
13. Defendant is in default of the terms of the cardholder
Agreement having not made monthly payments to Plaintiff thereby
rendering the entire balance immediately due and payable.
14. Plaintiff is entitled to interest at the statutory rate of
6.00% per annum from January 9, 2009.
15. Although repeatedly requested to do so by Plaintiff,
Defendant has willingly failed and/or refused to pay the principal
balance, and accrued interest or any part thereof to Plaintiff.
WHEREFORE, the Plaintiff prays for judgment on Count II against
Defendant, MARYANNE PELLETIER, individually, in the amount of
$5487.31 with continuing interest thereon at the statutory rate of
6.00% per annum from January 9, 2009 and costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL
BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO.,
L.P.A.
James C War 'rodt, Esquire
PA I.D. #4 5 4
WELTMAN, BERG & REIS CO., L.P.A.
1400 Kop Building
436 Seve Avenue
Pittsbu PA 15219
(412) 4 4-7955
WWR#:07173964
New 3alance Payment Due Date Past Due Amount Minimum Payment
x$6,045.88 11/08/08 $716.00 $1,999.88
?x Make your check payable to:
Chase Card Services.
• Please write amount enclosed.
New address or e-mail? Print on back.
546604200646234300199988006045880000000
LIIIILIIIIILLIrIL111111JLIJLJLIL111111LL111.611
21241 BEX Z 28806 D
MARYANNE PELLETIER
44 N HIGH ST
NEWVILLE PA 17241-1130
Opening/Closing Date:
CHAS E O Payment Due Date:
Minimum Payment Due:
illliiili11111i111111111111111111111111IIIIIIIIIIIIIIIIIIIIIIi
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886.5153
I: 5000 160 281: 077 200646 2 34 34ii¦
73964
Minimum Payment Due for CreditAooess Line
Payment Due for Balance Over Credit Access Line
Past Due Amount
Total Minimum Payment Due
09/15/08 -10/14/08 CUSTOMER SERVICE
11108!08
$1In U.S. 1-800-945-2000
EspaPfol 1-888-446.3308
TDD 1-800-955.8080
Pay by phone 14800-436-7958
Outside U.S. call tolled
$238.00 1-302.594-MO
$1,045.88 ACCOUNT INQUIRIES
$716.00 P.O.Box15298
1,999.88 Wilmington, DE 19850-5298
PAYMENT ADDRESS
WORLD MASTERCARD SUMMARY P.O. Box 15153
Account Number: SW 0420 0646 2343 Wilmington, DE 19886-5153
Previous Balance $5,867.74 Credit Access Line $5,000 VISIT US AT:
Purchases, Cash, Debits +$39,00 Available Credit $0 www.chas corn/credit rds
Finance Charges +$139,14 Cash Access Line $1,000
New Balance $6,045.88 Available for Cash $0
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955.6030 (collect 1-302-594-8200) today.
CHASE FREEDOM REWARDS SUMMARY
Previous Month's Balance $0.00
Rewards Unavailable for Redemptions $32.52
Rewards Redeemed this Period $p 00
Your card allows you to earn rash back faster than ever. You will
earn 3% cash back for every $1 of eligible purchases made at gas stations, grocery
stores and fast food restaurants and 1 % cash back for all other purchases. You
can redeem your rewards for a check as soon as
you earn $50 in rewards. For complete program details, please refer
to your Rewards Rules and Regulations. To redeem your rewards,
go online at www.chase.com/credkcards or call us at (800) 524-3880.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
10/09 LATE FEE
39.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Daily Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V.07805% 28.49% $1,287.16 $30.14 $0.00 $0.00 $30
14
Cash advances V.07805% 28.49% $0.00 $0.00 $0,00 $000 .
$000
Convenience check V.07805% 28.49% $1,316.43 $30.82 $0,00 $0,00 $30
82
Balance transfer V .07805% 28.49% $3,338.83 $78.18 $0.00 $0.00 .
$78.18
Total finance charges
CHASE O
$139.14
Effective Annual Percentage Rate (APR): 28.49%
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 EXHIBIT
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement is a Facsimile - Not an original
-• 0000001 FIS33335 D 8 000 N Z 14 08/10114 Page 1 of 1 05686 MAMA 21241 286100000:1 r A"
New Balance Payment Due Date Past Due Amount Minimum Payment
$5,487.31 11/09/08 $420.00 $1,110.31 CHASE
Wake your check payable to:
`WI• Chase Card Services.
• Please write amount enclosed.
New address or e-mail? Print on back.
440804101751685100111031005487310000000
MARYAN NE PEL PEL I111illl ill11111 il11/l illl1111111llllllllll lit 1111111lit llllli
MARLETIER
44 N HIGH ST CARDMEMBER SERVICE
NEWVILLE PA 17241-1130 PO BOX 15153
WILMINGTON DE 19886.5153
I11l lllllli lllllli 111111111111111111111 it ll llllillltllli 111111
t: 5000 160 281: 28 2 LO L 7 5 168 5 L LIP
%AAWFnancial Opening/Closing Date: 09/16/08-10/15/08 CUSTOMER SERVICE
Credit Card Services Payment Due Date:
Minimum Payment Due: 11/09/08 In U.S. 1-800-283.1211
$1,110.31
CHASE Q Espaflol 1-888446-3308
TDD 1-800.955000
Pay by phone 1-800.436-7958
Outside U.S. can collect
1-302-594$200
ACCOUNT INQUIRIES
P.O. Box 15298
Wilmington, DE 19850-5298
PAYMENT ADDRESS
P.O. Box 15153
Wilmington, DE 198865153
VISA ACCOUNT SUMMARY Account Number: 4408 04101751 6851 VISIT US AT:
Previous Balance $5,310.15 Total Credit Line $5,000 www.chase.comlcreditcards
Purchases, Cash, Debits +$64,00 Available Credit $0
Finance Charges +$113.16 Cash Access Line $1,000
New Balance $5,487.31 Available for Cash $0
The charge privileges on your credit card account have been revoked. You no longer have the
ability to use your credit card account for purchases. We can help you get back on track. Call
1-800-955-8030 (collect 1-302-594-8200) today.
TRANSACTIONS
Trans Amount
Date Reference Number Merchant Name or Transaction Description Credit Debit
10/10 LATE FEE .00
09/16 OVERLIMIT FEE 29.00
FINANCE CHARGES
Finance Charge
Daily Periodic Rate Corresp. Average Dally Due To Transaction Accumulated FINANCE
Category 30 days in cycle APR Balance Periodic Rate Fee Fin Charge CHARGES
Purchases V .06984% 25.49% $1,244.22 $26.07 $0.00 $0.00 $26.07
Cash advances V .06984% 25.49% $272.44 $5.71 $0.00 $0.00 $5.71
Balance transfer V .06984% 25.49% $3,883.91 $81.38 $0.00 $0.00 $81.38
Total finance charges
$113.16
73965 Effective Annual Percentage Rate (APR): 25.49%
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
ADVOCACY MATTERS.
Signing up for free account alerts can save you money. We
will remind you when you are nearing payment due dates and
credit limits so you can avoid fees and maintain your best .
r
Interest rates. Visit www.chasedearandsimple.com ?I???
X
This Statement is a Facsimile - Not an original
'- 0000003^ FIS33335 C 4 _ _ 000 N Z 15 08/10/15 Pagel of 1 00009 MA DC 42463 28910000040004246301
• CMA12762
Gardmember Agreement
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. 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 anyfees orfinance 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. We may require that
you pay the full amount owed without first asking the other person(s) to pay.
Please sign the back ofyour card when you receive it. You will be bound bythis agreement
if you or anyone authorized by you use your account for any purpose, even if you don't
sign your card. Whetheryou use your account or not, you will be bound bythis agreement
unless you cancel your account within 30 days after receiving your card and you have
not used your account for any purpose.
Throughout this agreement, the words "we", "us" and "our mean Chase 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 onthe account. The word "card* means one ormore cards
or other access devices, such as account numbers, that we have issued to permit you
to obtain credit under this agreement.
USING YOUR ACCOUNT
Your account is a consumer account and shall 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 forvalid and lawful transactions. For example, internet
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 or contemplated underthis agreement
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 referto them in this agreement as a check or checks.
You may use a checkto payforgoods orservices,to transfer balancesto youraccount,
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
are treated as cash advances and balance transfer checks are treated as balance
transfers except as noted in this agreement or any offer we make to you. We may treat
checks that we call convenience checks as balance transfer checks. However, checks
that we call convenience checks and thatwe indicated to you are subject to the terns
for cash advances, maybe treated as cash advances and assessed cash advance rates
and fees.
• 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 transferwill 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; orto 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.
• 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. Foreach calendermonth,
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 or pot there is a billing statement
for that billing cycle.
Authorized Users: If you allow someone to use your account, that person will be an
authorized user. You may request an additional card for use by an authorized user on
your account. If you do so, this account mayappearon the creditreportofthatauthorized
user. You should think carefully before allowing anyone to become an authorized user
because you are allowing that person to use the account as you can. You will remain
responsible forthe use of your account and each card issued on your account according
to the terms of this agreement. This includes your responsibility for paying all charges
on your account made by an authorized user.
You must notify us to terminate an authorized user's permission to use your account. If
you notify us, we may close the account and/or issue a new card or cards with a different
account number. You should also recover and destroy any cards, checks or any other
means of access to your account from that authorized user.
Credit Line: Your credit line appears on your billing statements. We may also refer to the
credit line as a credit limit. Your billing statement may also show that only a portion of
your credit line may be used for cash advances. Cash advances, including cash advance
checks, are charged against the cash advance portion of your credit line, and all other
transactions are charged against your credit line. You are responsible for keeping track
Page 1 of 6
of your account balance, including any fees and finance charges, and making sure it
remains below your credit line. If your account balance is over your credit line for any
reason, we may charge you an overlimit fee as described in this agreement We may, but
are not required to, authorize charges that go over your credit line. You must pay any
amount over your credit line, and you must pay us immediately if we ask you to. This
agreement applies to any balance on your account, including any balance over your
credit line.
At our discretion, we may increase, reduce, or cancel your credit line, orthe cash advance
portion of your credit line, at any time. However, if you have asked us not to do so, we
will not increase your credit line. A change to your credit line will not affect your obligation
to pay us.
International Transactions: International transactions include any transaction that you
make in a foreign currency orthat you make outside of the United States of America even
if it is made in U.S. dollars. If you make a transaction in a foreign currency, Visa
International or MasterCard International, Inc., will convert the transaction into U.S.
dollars by using its respective currency conversion procedures. The exchange rate each
entity uses to convert currency is a rate that it selects either from the range of rates
available in the wholesale currency markets for the applicable processing date (which
rate may vary from the rate the respective entity itself receives), or the
government-mandated rate in effect on the applicable processing date. The rate in effect
on the applicable processing date may differ from the rate on the date you used your card
or account. We reserve the right to charge you an additional 3% of the U.S. dollar amount
of any international transaction, whether that transaction was originally made in U.S.
dollars or was made in another currency and converted to U.S. dollars by Visa or
MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided
to us by that entity. The same process and charges may apply if any international
transaction is reversed.
Refusal to Authorize Transactions: We may, but are not required to, decline a transaction
on your account for any of the following reasons:
• because of operational considerations,
• because your account is in default,
• if we suspect fraudulent or unlawful activity or,
• in our discretion, for any other reason.
We are not responsible for any losses if a transaction on your account is declined for
any reason, either by us or a third party, even if you have sufficient credit available.
For online transactions, we may require that you register your account with an
authorization system that we select. We will notify you if we want you to register. If you
do not register, we may decline your online transactions.
Refusal to Pay Checks: Each check you write is your request forfunds. When we receive
a check for payment, we may review your account to decide whether to authorize that
check. We may, but are not required to, reject and return unpaid a check for any reason,
including the following examples:
• We or one of our related companies is the payee on the check.
• Your creditline or cash advance portion of your credit line has been exceeded, or would
be exceeded if we paid the check.
• The check is post-dated. If a post-dated check is paid, resulting in another check being
returned or not paid, we are not responsible.
• You have used the check after the date specified on it.
• You are in default or would be if we paid the check.
Lost or Stolen Cards, Checks or Account Numbers: If any card, check, account number
or other means to access your account is lost or stolen, or you think someone used or
may use them without your permission, you must notify us at once by calling the
Cordmember Service telephone number shown on your card or billing statement. Do not
use your account after you notify us, even if your card, check, account number or other
means to access your account is found or returned. We may terminate or suspend your
credit privileges when you notify us of any loss, theft or unauthorized use related to your
account
You may be liable if there is unauthorized use of your account from which you receive
no benefit, but you will not be liable for more than $50.00 of such transactions, and you
will not be liable for any such transactions made after you notify us of the loss, theft or
unauthorized use. However, you must identify for us the unauthorized charges from which
you received no benefit
We may require you to provide us information in writing to help us find out what happened.
We may also require you to comply with certain procedures in connection with our
investigation.
PAYMENTS
Payment Instructions: Your billing statement and accompanying envelope include
instructions you must follow for making payments and sets forth the date and time by
which we must receive the payment.
You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S.
financial institution or the U.S. branch of a foreign financial institution using a payment
check, money order or automatic debitthat will be processed or honored by yourfinancial
institution. We will not accept cash payments. Your total available credit may not be
restored for up to 15 days after we receive your payment.
Any payment check or other form of payment which you send to us for less than the full
balance that is marked "paid in full" or with a similar notation orthatyou otherwise tender
in full satisfaction of a disputed amount (conditional payments), must be sent to us atthe
conditional payments address listed on your monthly statement We reserve all our rights
regarding such payments. For example, if it is determined there is no valid dispute or if
any such payment is received at any other address, we may accept the payment and you
will still owe any remaining balance. We may refuse to accept any such payment by
returning it to you, not cashing it or by destroying it All other payments that you make
should be sent to the regular payment address shown on your monthly statements.
V
Aw4yz
We reserve the right to electronically collect your eligible payment checks, at first
presentment and any representment, from the bank account on which the check is
drawn. Our receipt of your payment checks is your authorization for us to collect
the amount of the check electronically, or, if needed, by a draft drawn against the
bank account Payment checkswill be collected electronic ally by sending the check
amount along with the check, routing and account numbers to your bank. Your bank
account may be debited as. early as the same day we receive your payment. The
original payment check will be destroyed and an image will be maintained in our
records.
Minimum Payment: You agree to pay at least the minimum payment due, as shown
on your billing statement, so that we receive it by the date and time payment is due.
You may pay more than the minimum payment due and may pay the full amount you
owe us at any time. If you have a balance that is subject to finance charges, the
sooneryou pay us, the lessyou will pay in finance charges because finance charges
accrue on your balance each day.
Your billing statement shows your beginning balance and your ending balance (the
'New Balance' on your billing statement). If the New Balance is 510.00 or less, your
minimum payment due will be the New Balance. Otherwise, it will be the largest of
the following: 510.00; 2% of the New Balance; or the sum of 1 % of the New Balance,
total billed periodic rate finance charges, and any billed late and overlimit fees. As
part of the minimum payment due, we also add any amount past due and any amount
over your credit line.
Payment Allocation: You agree that we are authorized to allocate your payments
and credits in a way that is most favorable to or convenient for us. For example, you
authorize us to apply your payments and credits to balances with lower APRs (such
as promotional APRs) before balances with higher APRs.
Credit Balances: You may request a refund of a credit balance at any time. We may
reduce the amount of any credit balance bythe amount ofnew charges orfees billed
to your account.
Automatic Charges: You may authorize a third party to automatically charge your
account for repeat transactions (for example, monthly utility charges, memberships
and insurance premiums). If automatic charges are stopped for any reason (including
because your account is closed or suspended for any reason) or your account
number changes, you are responsible for notifying the biller and paying these charges
directly. If your account number changes, we may, but are not required to, pay from
your new account number charges that you authorized to be billed to your old account
number.
Promotions: From time to time we may offer special terms for your account. If we
do, we will notify you about the terms of the offer and how long they will be in effect.
Any promotion is subject to the terms of this agreement, as modified by the
promotional offer.
FINANCE CHARGES
Daily Periodic Rates and Annual Percentage Rates: Your annual percentage rates
('APRs') and the corresponding daily periodic rates are listed on the Rates and Fees
Table that is at the end of this document or provided separately. To get the daily
periodic rate we divide the APR by 365, and in effect always round up at the fifth
place to the right of the decimal point.
Variable Rates: One ormore APRs that apply to your account may vary with changes
to the Prime Rate. When you have an APR that varies with changes to the Prime
Rate, we calculate the APR by adding a margin to the Prime Rate published in The
Wall StreetJournaltwo business days before the Closing Date shown on your billing
statement. The "Prime Rate" is the highest (U.S.) Prime Rate published in the Money
Rates section of The Wall Street Journal. If The Wall Street Journal stops publishing
the Prime Rate, we will select a similar reference rate and inform you on your billing
statement or through a separate notice,
A "margin" is the percentage we add to the Prime Rate to calculate the APR. A
"business day' is any day that is not a weekend or federal holiday. The Rates and
Fees Table shows which rates, if any, are variable rates. It also lists the margin for
each variable rate and any minimum daily periodic rate and corresponding APR.
Two business days before the Closing Date shown on your billing statement, we see
what the Prime Rate is. We then add the applicable margin to that Prime Rate to get
the APR. The daily periodic rate is calculated as described above.
If our calculation results in a change to a daily periodic rate from the previous billing
cycle because the Prime Rate has changed, the new rate will apply as of the first
day of your billing cycle that ends in the calendar month in which we made the
calculation. If the daily periodic rate increases, you will have to pay a higher periodic
finance charge and may have to pay a higher minimum payment.
Default Rates: Your APRs also may vary if you are in default under this agreement
or any other agreement you have with us or any of our related companies for any of
the following reasons:
• We do not receive, for any payment that is owed on this account or any other
account or loan with us, at least the minimum payment due by the date and time
due.
• You exceed your credit line on this account
• You make a payment to us that is not honored by your bank.
If any of these events occurs, we may increase the APRs (including any promotional
APR) on all balances (excluding overdraft advances) up to a maximum of the default
rate stated in the Rates and Fees Table. We may consider the following factors to
determine your default rate: the length of time your account has been open, the
existence, seriousness and timing of the defaults on your account; other indications
of your account usage and performance; information aboutyour other relationships
with us or any of our related companies; and information we obtain from consumer
credit reports obtained from credit bureaus. The default rate will take effect as of
the first day of the billing cycle in which the default occurs.
If we decide not to increase your APR even though there is a default or if we do not
increase your APR up to the maximum default rate stated in the Rates and Fees
Table, we reserve our right to increase your APR in the event of any future default.
We may in our discretion determine to charge reduced default rates or reinstate
standard rates for all or selected balances on your account.
Finance Charge Calculation - Average Daily Balance Method (Including New
Transactions): We calculate periodic finance charges separately for each balance
associated with a different category of transactions (for example, purchases, balance
transfers, balance transfer checks, cash advances, cash advance checks, overdraft
advances, and each promotion). These calculations may combine different categories
with the same daily periodic rates. This is how it works:
We calculate periodic finance charges for purchases, balance transfers, balance
transfer checks, cash advances, cash advance checks, and overdraft advances by
multiplying the daily balance for each of those categories by the daily periodic rate
for each of those categories, each day. You may have overdraft advances only if
you have linked this account to a checking account with one of our related banks.
We calculate the periodic finance charges for purchases, balance transfers, balance
transfer checks, cash advances, and cash advance checks subjectto a promotional
rate the same way, but we use the promotional rate.
To get the daily balance for each day for each category:
• We take the beginning balance for that day.
• We add to that balance any new transactions, fees, other charges, and debit
adjustments that apply to that category. We add a new purchase, cash advance,
balance transfer or overdraft advance, if applicable, to the daily balance as of the
transaction date, or a later date of our choice. We add a new cash advance check
or balance transfer check to the daily balance as of the date the cash advance
check or balance transfer check is deposited by a payee, or a later date of our
choice.
• We subtract from that balance any payments, credits, or credit adjustments that
apply to that category and that are credited as of that day.
• We treat a credit balance as a balance of zero.
To get the beginning balance for each category for the next day, we add the daily
periodic finance charge to the daily balance. If more than one daily periodic rate
could apply to a category because the rate for the category may vary based on the
amount of its average daily balance, we will use the daily periodic rate that applies
for the average daily balance amount at the and of the billing cycle to calculate the
daily periodic finance charge each day. This agreement provides for daily
compounding of finance charges.
To get the total periodic finance charge for the billing cycle, we add all of the daily
periodic finance charges for each category for each day during that billing cycle.
However, if any periodic finance charge is due, we will charge you at least the
minimum periodic finance charge stated in the Rates and Fees Table. If itis necessary
to add an additional amount to reach the minimum finance charge, we add that
amount to the balance for purchases made during the billing cycle.
The total finance charge on your account for a billing cycle will be the sum of the
periodic finance charges plus any transaction fee finance charges.
Foreach categorywe calculate an average daily balance (including newtransactions)
for the billing cycle by adding all your daily balances and dividing that amount by
the number of days in the billing cycle. If you multiply the average daily balance for
a category bythe applicable daily periodic rate, and multiplythe result bythe number
of days in the billing cycle, the total will equal the periodic finance charges for that
balance attributable to that billing cycle, except for minor variations due to rounding.
Grace Period and Accrual of Finance Charges: We accrue periodic finance charges
on a transaction, fee, orfinance charge from the date it is added to yourdaily balance
until payment in full is received on your account However, we do not charge periodic
finance charges on new purchases billed during a billing cycle if we receive payment
of your New Balance by the date and time your minimum payment is due and we
received payment of your New Balance on your previous billing statement by the
date and time your payment was due. This exception or'grace period' applies only
to purchases and does not apply to balance transfers, balance transfer checks, cash
advances, cash advance checks or overdraft advances, if applicable.
Transaction Fees for Cash Advances: We may charge you a cash advance fee in
the amount stated in the Rates and Fees Table for cash advance checks and cash
advances.
In addition, if you use a third party service to make a payment on your behalf and
the service charges the payment to this account, we may charge a transaction fee
for the payment.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction date of the cash advance. For example, a
transaction fee for a cash advance would be added to your cash advance balance.
Transaction Fees for Balance Transfers: We may charge you a balance transfer fee
in the amount stated in the Rates and Fees Table for balance transfer checks and
balance transfers.
These transaction fees are finance charges. We add the fee to the balance for the
related category as of the transaction data of the balance transfer. For example, a
transaction fee for a balance transfer would be added to your balance transfer
balance.
OTHER FEES AND CHARGES
We may charge the following fees. The amounts of these fees are listed in the Rates
and Fees Table. These fees will be added to the balance for purchases made during
the billing cycle.
Annual Membership Fee: If your account has an annual membership fee, it will be
billed each year or in monthly installments (as stated in the Rates and Fees Table),
whether or notyou use your account, and you agree to pay it when billed. The annual
Page 2 of 6 CMA12762
membership fee is non-refundable unless you notify us that you wish to close your account
within 30 dayp of the date we mail your billing statement on which the annual membership
fee is charged and at the same time, you pay your outstanding balance in full. Your payment
of the annual membership fee does not affect our right to close your account or limit your
right to make transactions on your account If your account is closed by you or us, we
will continue to charge the annual membership fee until you pay your outstanding balance
in full and terminate your account relationship.
Late Fee: If we do not receive at least the required minimum payment by the date and
time it is due as shown on your billing statement for any billing cycle, we may charge the
late fee shown in the Rates and Fees Table. If the late fee is based on a balance, we
calculate the late fee using the Previous Balance on the current month's statement that
shows the late fee. This balance is the same as the New Balance shown on the prior
month's statement for which we did not receive at least the required minimum payment
by the date and time it was due.
Overlimit Fee: If your account balance is over your credit line at anytime during a billing
cycle, even if only for a day, we may charge an overlimit fee. We may charge this fee
even if your balance is overthe credit line because of a finance charge or fee we imposed
or a transaction we authorized. We will not charge more than one overlimit fee for any
billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no
new transactions are made on your account, if your account balance still is over your
credit line at any time during the subsequent billing cycles.
Return Payment Fee: If (a) your payment check or similar instrument is not honored, (b)
an automatic debit or other electronic payment is returned unpaid, or (c) we must return
a payment check because it is not signed or cannot be processed, we may charge a
return payment fee.
Return Check Fee: If (a) we stop payment on a cash advance check or balance transfer
check at your request, or (b) we refuse to pay a cash advance check or balance transfer
check, we may charge a return check fee.
Administrative Fees: If you request a copy of a billing statement, sales draft or other
record of your account or if you request two or more cards or any special services (for
example, obtaining cards on an expedited basis), we may charge you forthese services.
However, we will not charge you for copies of billing statements, sales drafts or similar
documents that you request for a billing dispute you may assert against us under applicable
law. We may charge, for any services listed above and other services we provide, the
fees from time to time in effect when we offer the service.
DEFAULT/COLLECTION
We may consider you to be in default if any of these occurs:
• We do not receive at least the minimum amount due by the date and time due as shown
on your billing statement.
• You exceed your credit line.
• You fail to comply with the terms of this agreement or any agreement with one of our
related companies.
• We obtain information that causes us to believe that you may be unwilling or unable to
pay your debts to us or to others on time.
• You file for bankruptcy.
• You become incapacitated or in the event of your death.
If we consider your account to be in default, we may close your account without notice
and require you to pay your unpaid balance immediately. We also may require you to pay
interest at the rate of two percent (2%) a month on the unpaid balance when we deem
your account to be six or more billing cycles past due.
To the extent permitted by law, if you are in default because you have failed to pay us,
you will pay our collection costs, attorneys' fees, court costs, and all other expenses of
enforcing our rights underthis agreement.
CLOSING YOUR ACCOUNT
You may close your account at any time. If you call us to close your account, we may
require that you confirm your request in writing.
We may close your account at any time or suspend your credit privileges at any time for
any reason without prior notice except as required by applicable law. If we close your
account, we will not be liable to you for any consequences resulting from closing your
account or suspending your credit privileges.
If you or we close your account, you and any authorized users must immediately stop
using your account and destroy all cards, checks or other means to access your account
or return them to us upon request. You will continue to be responsible for charges to your
account, even if they are made or processed after your account is closed and you will
be required to pay the outstanding balance on your account according to the terms of
this agreement. In addition, to the extent allowed by law, we may require you to pay the
outstanding balance immediately or at any time after your account is closed.
ARBITRATION AGREEMENT
PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY
BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO
TO COURT. YOU WILL NOT BE ABLE TO BRING A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE
ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN
ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL
NOT BE ABLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION
BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER
REPRESENTATIVE ACTION. IN THE ABSENCE OFTHIS ARBITRATION AGREEMENT, YOU
AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS
IN A COURT, BEFOREA JUDGE OR JURY,AND/ORTO PARTICIPATE OR BE REPRESENTED
IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER
REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT
TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE
MORELIMITED. EXCEPTAS OTHERWISE PROVIDED BELOW,THOSE RIGHTS ARE WAIVED.
Binding Arbitration. This Arbitration Agreement is made pursuant to a transaction involving
interstate commerce, and shall be governed by and be enforceable under the Federal
Arbitration Act (the "FAA"), 9 U.S.C. 41-16 as it may be amended. This Arbitration Agreement
sets forth the circumstances and procedures under which claims (as defined below) may
be resolved by arbitration instead of being litigated in court.
Patties Covered. For the purposes of this Arbitration Agreement,'we", "us", and'our" also
includes our parent, subsidiaries, affiliates, licensees, predecessors, successors, assigns,
any purchaser of your Account, and all of their officers, directors, employees, agents,
and assigns or any and all of them. Additionally, 'we", "us" and "out shall include any third
parry providing benefits, services, or products in connection with the Account (including
but not limited to credit bureaus, merchants that accept any credit device issued under
the Account, rewards programs and enrollment services, credit insurance companies,
debt collectors, and all of their officers, directors, employees, agents and representatives)
if, and only if, such a third parry is named by you as a co-defendant in any Claim you assert
against us.
Claims Covered. Either you or we may, without the other's consent, elect mandatory,
binding arbitration of any claim, dispute or controversy by either you or us against the
other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or
assigns of the other, arising from or relating in any way to the Cardmember Agreement,
any prior Cardmember Agreement, your credit card Account or the advertising, application
or approval of your Account ("Claim'). This Arbitration Agreement governs all Claims,
whether such Claims are based on law, statute, contract, regulation, ordinance, tort,
common law, constitutional provision, or any legal theory of law such as respondeat
superior, or any other legal or equitable ground and whether such Claims seek as remedies
money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject
to this Arbitration Agreement include Claims regarding the applicability ofthis Arbitration
Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember
Agreement This Arbitration Agreement includes Claims that arose In the past, or arise
in the present or the future. As used in this Arbitration Agreement, the term Claim is to
be given the broadest possible meaning.
Claims subjectto arbitration include Claims that are made as counterclaims, cross claims,
third party claims, interpleaders or otherwise, and a party who initiates a proceeding in
court may elect arbitration with respect to any such Claims advanced in the lawsuit by
any party or parties.
As an exception to this Arbitration Agreement, you retain the right to pursue in a small
claims court any Claim that is within that court's jurisdiction and proceeds on an individual
basis. If a party elects to arbitrate a Claim,the arbitrationwill be conducted as an individual
action. Neither you nor we agree to any arbitration on a class or representative basis,
and the arbitrator shall have no authority to proceed on such basis. This means that even
if a class action lawsuit or other representative action, such as that in the form of a private
attorney general action, is filed, any Claim between us related to the issues raised in such
lawsuits will be subject to an individual arbitration claim if either you or we so elect
No arbitration will be consolidated with any other arbitration proceeding without the
consent of all parties. The only Claims that may be joined in an individual action under
this Arbitration Agreement are (1) those brought by us against you and any co-applicant,
joint cardmember, or authorized user of your Account, or your heirs or your trustee in
bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or
authorized user of your Account, or your heirs or your trustee in bankruptcy against us.
Initiation of Arbitration. The party filing a Claim in arbitration must choose one of the
following two arbitration administrators: American Arbitration Association; or National
Arbitration Forum. These administrators are independent from us. The administrator does
not conduct the arbitration. Arbitration is conducted under the rules of the selected
arbitration administrator by an impartial third party chosen in accordance with the rules
of the selected arbitration administrator and as may be provided in this Arbitration
Agreement Any arbitration hearing that you attend shall be held at a place chosen by
the arbitrator or arbitration administrator within the federal judicial district in which you
reside at the time the Claim is filed, or at some other place to which you and we agree in
writing. You may obtain copies of the current rules of each of the two arbitration
administrators, information about arbitration and arbitration fees, and instructions for
initiating arbitration by contacting the arbitration administrators as follows:
American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY
10017-4605, Web site: www.adr.org, 800-778-7879; or
National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, Web site:
www.arbitration-forum.com, 800-474-2371.
Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve
Clafms.The arbitratorwi6 either be a lawyerwith at leastten years experience ore retired
or former judge. The arbitration will be conducted under the applicable procedures and
rules of the arbitration administrator that are in effect on the date the arbitration is filed
unless those procedures and rules are inconsistent with this Arbitration Agreement, in
which case this Agreementwill prevail. These procedures and rules may limitthe amount
of discovery available to you or us. The arbitrator will apply applicable substantive law
consistent with the FAA and applicable statutes of limitations, and will honor claims of
privilege recognized at law. You may choose to have a hearing and be represented by
counsel. The arbitratorwill take reasonable steps to protect customer Account information
and other confidential information, including the use of protective orders to prohibit
disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will
have the power to award to a party any damages or other relief provided for under
applicable law, and will not have the power to award relief to, against, or for the benefit
of any person who is not a party to the proceeding. If the law authorizes such relief, the
arbitrator may award punitive damages or attorney fees. The arbitrator will make any
award in writing but need not provide a statement of reasons unless requested by a parry.
Upon a request by you or us, the arbitrator will provide a brief statement of the reasons
for the award.
Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the
amount of $500 upon receipt of proof of payment Additionally, if there is a hearing; we
Page 3 of 6 CMA12762
will pay ahy fees of the arbitrator and arbitration administrator forth a first two days
of that hearing. The payment of any such hearing fees by us will be made directly
to the arbitration administrator selected by you or us pursuant to this Arbitration
Agreement All other fees will be allocated in keeping with the rules ofthe arbitration
administrator and applicable law. However, we will advance or reimburse filing fees
and other fees if the arbitration administrator or arbitrator determines there is good
reason for requiring us to do so or you ask us and we determine there is good cause
for doing so. Each party will bear the expense of the fees and costs of that party's
attorneys, experts, witnesses, documents and other expenses, regardless of which
party prevails, for arbitration and any appeal (as permitted below), except that the
arbitrator shall apply any applicable law in determining whether a party should
recover any or all fees and costs from another party.
Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration
Agreement at anytime, or in connection with any particular Claims, will not constitute
a waiver of any rights to require arbitration at a later time Orin connection with any
other Claims. Any decision rendered in such arbitration proceeding will be final and
binding on the parties, unless a parry appeals in writing to the arbitration organization
within 30 days of issuance of the award. The appeal must request a new arbitration
before a panel of three neutral arbitrators designated by the same arbitration
organization. The panel will reconsider all factual and legal issues anew, follow the
same rules that apply to a proceeding using a single arbitrator, and make decisions
based on the vote of the majority. Each party will bear their own fees, costs and
expenses for any appeal, but a party may recover any or all fees, costs and expenses
from another party, if the majority of the panel of arbitrators, applying applicable
law, so determines. An award in arbitration will be enforceable as provided by the
FAA or other applicable law by any court having jurisdiction.
Severability, survival. This Arbitration Agreement shall survive: (i) termination or
changes in the Cardmember Agreement, the Account and the relationship between
you and us concerning the Account, such as the issuing of a new account number
or the transferring of the balance in the Account to another account, (ii) the
bankruptcy of any party or any similar proceeding initiated by you or on your behalf:
and (iii) payment of the debt in full by you or by a third party. If any portion of this
Arbitration Agreement is deemed invalid or unenforceable, the remaining portions
shall nevertheless remain in force.
CHANGES TO THIS AGREEMENT
We can change this agreement at any time, regardless of whether you have access
to your account, by adding, deleting, or modifying any provision. Our right to add,
delete, or modify provisions includes financial terms, such as the APRs and fees,
and other terms such as the nature, extent, and enforcement of the rights and
obligations you or we may have relating to this agreement. Modifications, additions,
or deletions are called 'Changes" or a "Change".
We will notify you of any Change if required by applicable low. These Changes may
be effective with notice only, at the time stated in our notice, in accordance with
applicable law. Unless we state otherwise, any Change will apply to the unpaid
balances on your account and to new transactions.
The notice will describe any rights you may have with respect to any Change, and
the consequences if you do or do not exercise those rights. For example, the notice
may state that you may notify us in writing by a specified date if you do not want to
accept certain Changes we are making. If you notify us in writing that you do not
acceptthe Changes, your account may be closed (if it is not already closed) andyou
will be obligated to pay your outstanding balance under the applicable terms of the
agreement. If you do not notify us in writing by the date stated in the notice, or if you
notify us but then use your account after the date stated in the notice, you will be
deemed to accept all Changes in the notice and to accept and confirm all terms of
your agreement and all Changes in prior notices we have sent you regardless of
whether you have access to your account.
CREDIT INFORMATION
We may periodically review your credit history by obtaining information from credit
bureaus and others.
We may report information about you and your account to credit bureaus, including
your failure to pay us on time. If you request additional cards on 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 information.
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, cellular or business telephone number or email address (if you
elect to receive billing statements or other notices online), you must notify us
immediately in writing at the address shown on your billing statement. We may, at
our option, acceptmailing address corrections from the United States Postal Service.
We may contact you about your account, including for customer service or collection,
at any address or telephone number as well as any cellular telephone number you
provide us.
TELEPHONE MONITORING AND RECORDING
We, and if applicable, our agents, may listen to and record yourtelephone calls with
us. You agree that we, and if applicable, our agents, may do so, whether you or we
initiate the telephone call.
INFORMATION SHARING
You authorize us to share certain information about you and your accountwithin our
family of companies, and with others outside our family of companies including any
company or organization whose name or mark may appear on the cards, as permitted
by law. Our Privacy Policy, which is provided to you when you first receive an
agreement and atleast once each calendar yearthereafter, describes our information
sharing practices and the choices you have and directions you may give us about
our sharing of information about you and your account with companies or
organizations within and outside of our family of companies.
ILLINOIS CARDMEMBERS
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 in the 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 applicable opt out described
in our Privacy Policy, you will be deemed to have authorized us to share personal
information we have aboutyou (including information related to any of the products
or services you may have with any of our companies) with companies or other
organizations outside of our family of companies.
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.
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.
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.
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
YOUR BILLING RIGHTS
Keep This Notice For Future Use
This notice contains important information aboutyour 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 atthe 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 againstyour credit
line. 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 tail to pay the amountthat we think you owe, we may report you as delinquent
However, if 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 aboutyour bill. And, we musttell you the name of anyone we reported
you to. We musttell 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 if your bill was correct
Special Rules for Credit Card Purchases
Page 4 of 6 CMA12762
Ifyou 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 notwithin 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 02007 JPMorgan Chase & Co. All rights reserved.
Page 5 of 6 CMA12762
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. 14904 relating to
unsworn falsifications to authorities, that he/she is Ruben A. Alcaraz
(Name)
Assistant Treasurer of Chase Bank USA N.A. , plaintiff herein, that
(Title) (Company)
he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint
in Civil Action are true and correct to the best of his/her knowledge, information and belief.
(Signature) Ru n A. Alcaraz
WWR# jr' U
Client Account #
Name,
f
rn
1V Llj O s
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SHERIFF'S RETURN - REGULAR
CASE NO: 2009-00271 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA N A
VS
PELLETIER MARYANNE
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
PELLETIER MARYANNE the
DEFENDANT , at 1745:00 HOURS, on the 23rd day of January , 2009
at 44 N HIGH STREET
NEWVILLE, PA 17241 by handing to
MARYANNE PELLETIER
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
Sworn and Subscibed to
before me this
of
So Answers:
18.00
9.90 r,
.00
10.00 R. Thomas Kline x
.00
37.90 01/26/2009
WELTMAN WEINBERG REIS
By:
day Deputy f
A. D.
C'f
,
Cam. ?"i'
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
MARYANNE PELLETIER
Defendant
o4-A71
No`? IVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA. i.D.#47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
Judgment Amount 11990.55
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
MARYANNE PELLETIER
Defendant
TO THE PROTHONOTARY:
Civil Action No. 07-271-CIVIL TERM
PRAECIPE FOR DEFAULT JUDGMENT
COUNT I
Kindly enter Judgment against the Defendant, MARYANNE PELLETIER, above named, in the
default of an Answer, in the amount of $6278.37 computed as follows:
Amount claimed in Complaint $6045.88
Interest from January 9, 2009 to April 2, 2009 $82.49
at the legal interest rate of 6% per annum
Attorney's fees $150.00
TOTAL $6278.37
COUNT II
Kindly enter Judgment against the Defendant, MARYANNE PELLETIER, above named, in the
default of an Answer, in the amount of $5712.18 computed as follows:
Amount claimed in Complaint $5487.31
Interest from January 9, 2009 to April 2, 2009 $74.87
at the legal interest rate of 6% per annum
Attorney's fees $150.00
TOTAL $5712.18
TOTAL COUNT I & COUNT 11 $11990.55
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance
with PA R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
William T. Molczy! Esquire
PA. I. D.#47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
Plaintiffs address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219
And that the last known address of the Defendant is: 59 WALNUT ST, BEAVER,PA 15009
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
Vs.
MARYANNE PELLETIER
Defendant
TO:
MARYANNE PELLETIER
44 N HIGH ST
NEWVILLE, PA 17241
Date of Notice:
Case No. 09-271 CIVIL TERM
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 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
32 SOUTH BEDFORD STREET
CARLISLE, PA. 17013
(717) 249-3166
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
Ma hew Urban
P.A.I.DA 90963
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, 1400 Koppers Building
Pittsburgh, PA 15219
Phone: (412) 434-7955
7173964 J PIT J4U
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs.
MARYANNE PELLETIER
Defendant
Case no: 07-271-CIVIL TERM
NON-MILITARY AFFIDAVIT
The undersigned, who first being duly sworn, according to law, deposes and states as follows:
That he/she is the duly authorized agent of the Plaintiff in the
within matter.
Affiant further states that the within Affidavit is made pursuant to and in accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521.
Affiant further states that based upon investigation it is the affiant's belief that the Defendant,
MARYANNE PELLETIER is not in the military service.
Affiant further states that this belief is supported by the attached certificate from the Defense
Manpower Data Center (DMDC), which states that the Defendant, MARYANNE PELLETIER, is not in the
military service.
Further Affiant sayeth naught. /
AFFIANT
d-'
SWORN T AVJ ffSUBSCRIBEQ ppy presence this day
of h!c a ri Seal
NOTA PUBLI W rdy L. &!u1t, otary• Public
0 Of Pitt= )ur jh, Al", ? ,heny County
My CofrrrK,sio; r r-, it ? ,!uiy 15, 2010
Member, Perin -,yi), aii?n of Nobifts
Request for Military Status
Department of Defense Manpower Data Center
ID Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
APR-13-2009 04:47:45
< Last Name First/Middle Begin Date Active Duty Status Service/Agency
PELLETIER MARYANNE Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military.
14 1
Aut lot
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: hqp://www.defenselink.mil/faq./pis/PC09SLDR.htrnl
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/13/2009
Rcquest for Military Status
Page 2 of 2
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: CQIIRGRBZX
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/13/2009
Fitt rrt-;-;r ?}?r
OF* THIE-
2099 APR 20 H 3: ' 1
?j./1J .. ?titf?K !
14.00 p A'CZ` j
,UL 39887(05
WAAIXCI
K
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-271-CIVIL TERM
MARYANNE PELLETIER
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the following
Order or Ju gm nt was entered against
you on 0
(xx) Assumpsit Judgment in the amount
of $6278.37plus costs as to Count I.
(xx) Assumpsit Judgment in the amount
of $5712.18 plus costs as to Count 11.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration will be
suspended by the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
(xx) Default
( ) Verdict
( } Arbitration
Award
Prothonotary
MARYANNE PELLETIER
44 N HIGH STREET By:
NEWVILLE, PA 17241 PROTHON ARY (O$B
Plaintiff's address is:
c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7'h Avenue, Pittsburgh, PA 15219
1-888-434-0085
1*
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
No. 09-271 CIVIL TERM
VS. PRAECIPE FOR WRIT OF EXECUTION
(BANK ATTACHMENT ONLY)
MARYANNE PELLETIER
Defendant
MEMBERS 1ST FCU
AND SOVEREIGN BANK,
Garnishee,
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
Civil Action No. 09-271 CIVIL TERM
MARYANNE PELLETIER
Defendant
MEMBERS 1 ST FCU
AND SOVEREIGN BANK,
Garnishee
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Kindly issue a Writ of Execution in the above matter...
1. directed to the Sheriff of CUMBERLAND County:
2. against MARYANNE PELLETIER, Defendant, 44 N• N;h S+, NeWVi11C , PA I'7alq I
MpoAM It* FCC)
3. against MEMEBERS 1ST FCU AND SOVEREIGN BANK, Garnishee, Saco tWM 02, Mcu PA
798 E Sir^ ? Oft S+ 17"s
4. Judgment Amount M" PA 1705V $ 11990.55
Less payments of $ 247.08
Interest $ 78.84
Costs $
SUBTOTAL: $ 11822.31
Costs (to be added by Prothonotary): $
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
William T. Molczan, Esqui
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
0
FILED-OFFICE
OF THE PP0741(,IMOTARY
2H9 JUN 14 PM 1: 18
CUMTE?z ,i t
s EENINSYLVANIA
gL4.so • f1a A
an, 4 o C8F
78.50 "
14.00
x 'so
"
`_._._.?s7 Do Pa OkTrY
0 DL e-co
• 50 L-L
(I)r;+ 4 F* 1-t?-
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 09-271 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s)
From MARYANNE PELLETIER, 44 N. High St., Newville, PA 17241
(1) You are directed to levy upon the property of the defendant (s)and to sell .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
MEMBERS 15T FCU, 5000 Louise Drive, Mechanicsburg, PA 17055
SOVEREIGN BANK, 798 E. Simpson Street, Mechanicsburg, PA 17055
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $11,743.47
Interest -- $78.84
Atty's Comm %
Atty Paid $157.40
Plaintiff Paid
Date: 6/10/09
L.L. $.50
Due Prothy $2.00
Other Costs
A,6?4 -.e
s R. Long o
(Seal)
REQUESTING PARTY:
Name WILLIAM T,. MOLCZAN, ESQUIRE
Address: WELTMAN, WEINBERG & REIS CO, LPA
1400 KOPPERS BUILDING
436 SEVENTH AVENUE
PITTSBURGH, PA 15219
Attorney for: PLAINTIFF
By:
Deputy
Telephone: 412434-7955
Supreme Court ID No. 47437
RECEIVED
JUN 1 7 2009
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
MARYANNE PELLETIER
Defendant
and
MEMBERS I ST FCU
AND SOVEREIGN BANK
Garnishee
No. 09-271 CIVIL TERM
INTERROGATORIES IN ATTACHMENT
MEMBERS 1sT FCU AND SOVEREIGN BANK
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
VS.
MARYANNE PELLETIER
Defendant
and
MEMBERS I ST FCU
AND SOVEREIGN BANK
Garnishee
TO: MEMBERS 1sT FCU
5000 LOUISE DRIVE
MECHANICSBURG, PA 17055
SOVEREIGN BANK
798 E SIMPSON STREET
MECHANICSBURG, PA 17055
Civil Action No.: 09-271 CIVIL TERM
Suggested Reference No.: XXX-XX-0375
RE: MARYANNE PELLETIER
44 N HIGH STREET
NEWVILLE, PA 17241
IMPORTANT NOTICES TO GARNISHEE!
A. You are required to file answers to the following interrogatories within twenty (20) days after
service upon you. Failure to do so may result in Judgment against you.
B. Herein, the word "defendant" means any one or more of the defendants against whom the writ of
Execution is issued.
C. While service of Writ upon the Garnishee attaches all property of the Defendant subject to
attachment which is then in the hands of the garnishee, it also attaches all property of the defendant which comes
into the Garnishee's possession thereafter, until Judgment is entered against the Garnishee. For example, the
resultant liability of a Garnishee-Bank would not be measured by the balance in the debtor's account, either at the
time of service of the Writ or at the time of Judgment against the Garnishee, but rather by the amounts deposited
and withdrawn during the intervening period.
INTERROGATORIES IN ATTACHMENT
1. At the time you were served or at any subsequent time did you owe the defendant any money or
were you liable to him on any negotiable or other written instrument, or did he claim that you owed him any money
or were liable to him for any reason? No
1 a. If the answer to Interrogatory I is in the affirmative, state the following: the amount
of money you owe or owed to defendant, and, if such money is in the form of a fund, the present location thereof,
the terms, face amount and amount you owe or owed to defendant on each of such negotiable or other written
instruments and the present location of each of such instruments; the amount or amounts that defendant claims or
claimed that you owe or owed to him; and the nature and amount of each of such liabilities.
N/A
2. At the time you were served or at any subsequent time was there in your possession, custody or
control of yourself and one or more other persons any property of any nature owned solely or in part by the
defendant. nn?
IVO
3. At the time you were served or at any subsequent time did you hold legal title to any property of
any nature owned solely or part by the defendant or in which defendant held or claimed any interest?
QO
4. At the time you were served or at any subsequent time did you hold as fiduciary any property in
which the defendant had an interest?
00
5. At any time before or after you were served, did the defendant transfer or deliver any property to
you or to any person or place pursuant to your directions or consent and if so what was the consideration thereof?
00
b. At any time after you were served did you pay, transfer, or deliver any money or property to the
defendant or to any person or place pursuant to his direction or otherwise discharge any claim of the defendant
against you?
7. If you are a bank or other financial institution, at the time you were served or at any subsequent
time did the defendant have funds on deposit in an account in which funds are deposited electronically on a
recurring basis and which are identified as being funds that upon deposit are exempt from execution, levy or
attachment under Pennsylvania or federal law? If so, Identify each account and state the reason for the exemption,
the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring
basis. 06
1 '9
8. If you are a bank or other financial institution, at the time you were served or at any subsequent
time did the defendant have funds on deposit in an account in which the funds on deposit, not including any
otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. § 8123? If
so, identify each account. ??
MJ-L?-
WELTMAN, WEINBERG & REIS CO., L.P.A.
By: W
William T. Molczan, Esquir
PA I.D. 447437
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#07173964
? St
MEMBERS 1St
FEDERAL CREDIT UNION
June 17, 2009
Name: Maryanne Pelletier
Address: 44 N. Street
Newville, PA 17241-1130
Account Number: XXX811
Name on Account: Maryanne Pelletier
Gean R. Pelletier (Joint)
Savings: $67.03
2( 5.00) Processing Fee
$42.03
Account Number: XXX680
Name on Account: Maryanne Pelletier
Gean R. Pelletier (Joint)
Savings: $114.00
Checking: $814.98
Account Number: XXX039
Name on Account: Desire Pelletier
Maryanne Pelletier (Joint)
Gean Pelletier (Joint)
Savings: $1580.47
Account Number: XXX040
Name on Account: Randy Pelletier
Maryanne Pelletier (Joint)
Gean Pelletier (Joint)
Savings: $30.00
$300.00 Statutory Exemption was not taken out.
Tania S Young
Deposit Operati ns A yst
iln- 6
5000 Louise Drive • P.O. Box 40 • Mechanicsburg, Pennsylvania 17055 • (800) 283-2328 • www.memberstst.org
r
? r r
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is ICS.. S ?Oc.J( -
(Name)
0 SF? ?16Y1 NY4? of : tt slst (Company) [t , garnishee herein,
itle) (Company)
that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing
Answers to Interrogatories are true and correct to the best of his/her knowledge, information and belief
d4't?- ? d
(SI NA RE)
OF THE I`i'i ?Ppy
2009 JL;°a 19 Af'i i i: 0 6
Sheriffs Office of Cumberland County
R Thomas Kline ?.°'??tp of'u+n&pr? Edward L Schorpp
Sheriff Solicitor
G
Ronny R Anderson Jody S Smith
Chief Deputy F CE `-ERIFF Civil Process Sergeant
Chase Bank USA, N.A.
Case Number
vs.
Maryanne Pelletier 2009-271
SHERIFF'S RETURN OF SERVICE
06/17/2009 02:58 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 17,
2009, at 1455 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies
of the within named defendant, to wit: Maryanne Pelletier, in the hands, possession, or control of the withir
named garnishee, Sovereign Bank, 17 W High Street, Carlisle, Cumberland County, Pennsylvania, 17013
by handing to Julie Myers, Customer Service Representative, personally three copies of interrogatories
together with three true and attested copies of the writ of execution and made the contents there of known
to him.
06/17/2009 12:06 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on June 17,
2009 at 1206 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies
of the within named defendant, to wit: Maryanne Pelletier, in the hands, possession, or control of the
within named garnishee, Members 1st Federal Credit Union, 5000 Louise Drive, Mechanicsburg,
Cumberland County, Pennsylvania, 17055 by handing to Tania Young, Deposit Operation Analyist
personally three copies of interrogatories together with three true and attested copies of the writ of
execution and made the contents there of known to her.
The writ of execution and notice to defendant was mailed on June 18, 2009 to Maryanne Pelletier at 44 N
High Street, Newville, PA 17241.
So Answers,
R. Thomas Kline, Sheriff
By
Dep y Sheriff
By !r
De y Sherif ?z
-. 1 <
tt.j r
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
,:
Sheriff ~ ~ ~'
~~~~~,tr ~t Ti,"ar~ut~~,y ~~ ~ Vii' ` ~ A~:+ti
Jody S Smith ~ ,
Chief Deputy Z~ ~ ~ ~.j~ ~ 2!7 ))
N1`I V' ~JL
Edward L Schorpp
Solicitor ~`~~ CUP~''~.
Ronny R Anderson
Chase Bank USA, N.A.
vs. Case Number
Maryanne Pelletier 2009-271
SHERIFF'S RETURN OF SERVICE
06/17/2009 02:58 PM -Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 17,
2009, at 1455 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies
of the within named defendant, to wit: Maryanne Pelletier, in the hands, possession, or control of the withir
named garnishee, Sovereign Bank, 17 W High Street, Carlisle, Cumberland County, Pennsylvania, 17013
by handing to Julie Myers, Customer Service Representative, personally three copies of interrogatories
together with three true and attested copies of the writ of execution and made the contents there of known
to him.
06/17/2009 12:06 PM -Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on June 17,
2009 at 1206 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies
of the within named defendant, to wit: Maryanne Pelletier, in the hands, possession, or control of the
within named garnishee, Members 1st Federal Credit Union, 5000 Louise Drive, Mechanicsburg,
Cumberland County, Pennsylvania, 17055 by handing to Tania Young, Deposit Operation Analyist
personally three copies of interrogatories together with three true and attested copies of the writ of
execution and made the contents there of known to her.
The writ of execution and notice to defendant was mailed on June 18, 2009 to Maryanne Pelletier at 44 N
High Street, Newville, PA 17241.
05/19/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $144.84
May 19, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
By
Sharon R. Lantz
~~~~F~-
~~ ~ yap ~-.~