HomeMy WebLinkAbout09-0483IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
No : 09 - digs
Plaintiff
VS.
MELANIE J MCGUIRE
Defendant
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
06979006 C N Pit CFR
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
VS. Civil Action No
MELANIE J MCGUIRE
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, CAPITAL ONE BANK (USA),NA is a corporation with offices
at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 .
2. Defendant is adult individual(s) residing at the address listed
below:
MELANIE J MCGUIRE
4064 DARIUS DR
ENOLA, PA 17025
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX2648
4. Defendant made use of said credit card and has a current balance
due of $5597.81 , as of November 03, 2008 .
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6. Plaintiff is entitled to the addition of interest at the rate of
15.900 per annum on the unpaid balance from November 03, 2008 . A
copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit
"1" and made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , MELANIE J MCGUIRE , INDIVIDUALLY , in the amount
of $5597.81 with continuing interest thereon at the rate of 15.900%
per annum from November 03, 2008 plus costs.
fames c.
WELTMAN,
436 Seve
Pittsbur
(412) 43
FAX: 41
06979002
This law firm is a debt collector attempt
our client and any information obtained w
NBERG & REIS CO., L.P.A.
Avenue, Suite 1400
PA 15219
55
-7130
Pit CFR
to collect this debt for
be used for that purpose.
C'apiwOne• NOT PAYING YOUR DEBT 500013
what's in your wallet?• DOESN'T MAKE IT GO AWAY.
02007 Capital One Semites, Inc. Capital One it a federally registered sermice mark. All rights reserved
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date
C$4,864.33D - $0.00 + $66.22 + $39.00 = $4,969.55 $911.00 Mar. 05, 2008
Jan. 10, 2008 - Feb. 09, 2008 Page 1 of 1
PLE45E PAY AT LEAST TMS AMOUNT
MasterCard Platinum Account Your account is six payments behind. If we charge off your account due to late payments, we will report
52014923-2'2U8 the charged-off status to several rational credit bureaus, and the Purchase APR as reflected on this
Your Account Information statement will be applied to all your outstanding balances. Act now to prevent this from happening. Please
pay the amount due on your statement or give us a call at 1.800.555.6600. YV II work with you so you can
TOTAL CREDIT LINE $7,600.00 take control of your account and start rebuilding your credit with Capital One.
TOTAL AVAILABLE CREDIT $2,630.45
CREDIT LINE FOR CASH $1,520.00 Payments
Credits & Adiustrients
AVAILABLE CREDIT FOR CASH $601.00 ,
Finance Charges (Please see reverse for important information)
Balance rate Periodic Corresponding FINANCE
applied to rate APR CHARGE
Purchases $3,991.45 0.04356% 15.90% $53.90
Cash $912.34 0.04356% 15.90% $12.32
ANNUAL PERCENTAGE RATE applied this period: 15.90%
® At Your Service 14!00405.7070
To cal Customer RdeBorm orb report a bd ordo n cad
Transactions
1 04 FEB PAST DUE FEE $39.00
As you asked, we've designated your account to close. Please note that your account balance must
remain at $0 for two consecutive monthly statements before ft's closed. Please oontkwe to make
necessary payments on your account and stop arty automatic payments or pre-au9araed charges you
may have set up. If you make any charges on your Capital One credit card before your account doses
(inducing automatic or pre authored charges), your account will remain Open and we'q remove the
request to dose your account.
You were assessed a past due fee because your minimum payment was not received by the due date. To
avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum
payment to reach Capital One.
® Send payrunts to:
A Capital One Balk • P.O. Box 70884 • Chartists, NC 28272-MM
Send logNties to:
Cepild One P.O. Box 30285 • Sat lake City, UT 841304286
® Have a question about a charge on your statement?
Phrase refer to the Bi ling Rights Summary on the back of your
statement or visit www.cadWone.com/dwutes
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WW W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE.
C?WC)ne I what's in your wallet)'
In fact, even if we report your account as charged off, you'll still be responsible
for paying your debt. So why not call us to see what we can do together to keep
you from receiving such a serious mark on your credit record?
We're here to help. Please contact us to
find a solution that's right for you.
You can make a payment with our free check by phone service
or speak to an associate by calling 1.800.955.6600.
Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off.
0 5291492338522648 09 4969550211000911008
New Balance Minimum Payment Due Date
$4,969.55 $911.00 Mar. 05, 2008
PLEASE PAY AT LEAST
THIS AMOUNT
Amount Enclosed
Capital One Bank 1111111111111111111111
P.O. Box 70884
Charlotte, NC 26272-0884
InIdLIInIL11111111LIII1111111d11Ld111111111611111111
Account Number: 5291-4923-3852-2648
Please print address or phone number changes below using blue or black ink.
Home flrone A/temafe Ahom
E-mail addrext p
#9004108335732234f1 MAIL ID NUMBER
MELANIE d MCGUIRE
2115 WENTWORTH DR
CAMP HILL, PA 17011-7450
III 11111111111111111111 111111111111111 1111111111 111111111111
Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope.
MELANIE J MCGUIRE
00
09
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CAPITAL ONE BANK (USA), N.A.,
Plaintiff,
V.
MELANIE J MCGUIRE
Defendant(s).
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating
to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE
BANK (USA), N.A., Plaintiff herein, and that 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, informati7Z, elief.
t i
Dated: I a laoo? uuo__L?
Nichole Reid
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
W
N
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O ? 3
LQQ??? CJ
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r?-
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SHERIFF'S RETURN - REGULAR
CASE NO: 2009-00483 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK (USA) NA
VS
MCGUIRE MELANIE J
SHAWN HARRISON
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within NOTICE was served upon
MCGUIRE MELANIE J the
DEFENDANT
at 0018:10 HOURS, on the 5th day of February-, 2009
at 4064 DARIUS DR
ENOLA, PA 17025
MELANIE MCGUIRE
by handing to
a true and attested copy of NOTICE
COMPLAINT
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 11.70
Affidavit .00
Surcharge 10.00
.00
39.70
Sworn and Subscibed to
before me this day
So Answer
R. Thomas Kline
02/06/2009
WELTMAN, WEIN G EIS
c
By:
Dep Sheriff
of A. D.
N
c
U:LLI LLJ
l
i
s.. (L
c=
c
Joseph K. Goldberg, Esquire
2080 Linglestown Road, Suite 106
Harrisburg, PA 17110
(717) 703-3600
jgoldberg@ssbc-law.com
PA ID #46782
IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA
CAPITAL ONE BANK (USA), NA,
Plaintiff
V.
CIVIL TERM (LAW)
NO. 09-0483 CIVIL
MELANIE J. MCGUIRE,
Defendant JURY TRIAL DEMANDED
ANSWER WITH NEW MATTER
AND NOW COMES the Defendant, Melanie J. McGuire, by and through her
attorney, Joseph K. Goldberg, Esquire, who files her Answer, with a New Matter, as
follows:
ANSWER
1. Admitted.
2. Admitted.
3. After reasonable investigation, the Defendant is without sufficient
knowledge or information with which to admit or deny the averments of paragraph 3,
and the averments are therefore denied.
4. After reasonable investigation, the Defendant is without sufficient
knowledge or information with which to admit or deny the averments of paragraph 4,
and the averments are therefore denied.
5. The averments of paragraph 5 are conclusions of law to which no
response is required. To the extent a response is required, after reasonable
investigation, the Defendant is without sufficient knowledge or information with which to
admit or deny the averments of paragraph 5, and the averments are therefore denied.
6. The averments of paragraph 6 are conclusions of law to which no
response is required. To the extent a response is required, after reasonable
investigation, the Defendant is without sufficient knowledge or information with which to
admit or deny the averments of paragraph 6, and the averments are therefore denied.
7. It is denied that the Plaintiff repeatedly requested the Defendant to pay
the balance it claims is due.
WHEREFORE, the Defendant respectfully requests this court grant judgment in
her favor, with costs assessed against the Plaintiff.
NEW MATTER
8. The Plaintiffs claims are barred by the statute of limitations.
9. The Plaintiff's claims are barred by the statute of frauds.
10. The Plaintiff is not entitled to the interest and fees claimed in its
Complaint.
WHEREFORE, the Defendant respectfully requests this Court dismiss this action
with prejudice, with costs assessed against the Plaintiff,
subm
K'Goldb , Esquire
Aft ney ID No. 46782
2 0 Linglestown Road, Suite 106
arrisburg, PA 17110
(717)703-3600
Attorney for Defendant
VERIFICATION
I, Melanie J. McGuire, hereby state that I have reviewed the foregoing Answer
with New Matter, and verify that the facts set forth in the document are true and correct
to the best of my knowledge, information and belief; and that this statement is made
subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to
authorities.
Dated: /?
CERTIFICATE OF SERVICE
I, the undersigned, hereby certify that on the IT day of "an 009,1
1
served a copy of the foregoing Answer with New Matter, by first-class mail, postage
prepaid, upon the following:
James C. Warmbrodt, Esquire
Weltman, Weinberg & Reis Co., L.P.A.
Suite 1400
436 Seventh Avenue
Pittsburgh, PA 15219
Attorney for Plaintiff
n
- '1 f
co
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA) NA
Plaintiff,
VS.
MELANIE J MCGUIRE,
Defendant.
No. 09-0483 CIVIL
TYPE OF PLEADING:
PLAINTIFF'S REPLY TO NEW MATTER
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt, Esquire
PA I.D.# 42524
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR # 6979006
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA) NA
Plaintiff, No. 09-0483 CIVIL
vs.
MELANIE J MCGUIRE,
Defendant.
PLAINTIFF'S REPLY TO NEW MATTER
AND NOW, comes the Plaintiff, by and through its counsel, James C. Warmbrodt, Esquire and
Weltman, Weinberg & Reis Co., L.P.A., and files the following Reply to New Matter:
8. Paragraph I of Defendant's New Matter is denied as a conclusion of law.
9. Paragraph 9 of Defendant's New Matter is denied as a conclusion of law.
10. Paragraph 10 of Defendant's New Matter is denied as a conclusion of law.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant in the amounts
demanded in its Complaint.
Respectfully Submitted:
WELTMAN, WEINBERG & REIS, CO., L.P.A.
By:
James C
PA I.D.
Esquire
1400 ppers Bldg.
436 S venth Avenue
PittOurgh, PA 15219
(414434-7955
WWR # 6209387
CERTIFICATE OF SERVICE
I certify that I served a true and correct copy of Plaintiff's Reply to New Matter by First Class Mail,
Postage Pre-Paid, on the X' day of V(kf0,,h2009, upon the following:
JOSEPH K GOLDBERG ESQ.
2080 LINGLESTOWN ROAD
SUITE 106
HARRISBURG PA 17110
By:
?dt, Esquire
a
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn
falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the
facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the
Plaintiff s Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts
and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and
belief.
RLED--4l=r ICE
OF THE PROTHMTA9Y
2009 APR -2 AM 9: 02
ONjUNTY
PE*ZY .y/'V yfr\
r.
v?
F T
2010 OCT 12 PM 3- !
UM ENNSYLV ANIA T?'
P
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs.
No. 09-483 CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITH PREJUDICE TO REFILE
MELANIE J MCGUIRE
Defendant(s)
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Lyndsay E Rowland, Esquire
PA I.D. #205520
WELTMAN, WEINBERG & REIS CO., L.P.A
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
W WR#6979006 SGB
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK (USA),NA
Plaintiff
vs. Civil Action No. 09-483 CIVLI. TERM
MELANIE J MCGUIRE
Defendant(s)
PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREJUDICE TO REFILE
TO THE PROTHONOTARY OF COUNTY:
Settle, Discontinue and End With Prejudice to Refile the above-captioned matter upon the records of the
Court and mark the costs paid.
WELTTN, WEINBERG^/& ?EIS CO A.
By: lkw '
Lyndsay E wlan , squire
PA I.D. #2Q'5 20
WELTMA , WEINBERG & REIS CO., L.P.A
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6979006
Sworn to and subscribed
Before me the 7
Day of
OTARY PUBLIC TM of pENINj LVAPIIA
COMMON nal 5eet
n, Notary public
5ht 6.9eva Alleytrany County
F tae Nov. 15, 2010
M GantrriltWosn e>7en et Notarles
CERTIFICATE OF SERVICE
The undersigned certifies that a true and correct copy of the within Praecipe to Settle Discontinue and
End With Prejudice to Refile mailed on the 7_ day of 2010 by United States first class
mail, postage pre-paid, addressed as follows:
Joseph Goldberg, Esquire
2080 LINGLESTOWN RD, SUITE 106
HARRISBURG, PA 17110
Weltman, Weinberg & Reis Co., L.P.A.
Warmbrodt, Esquire
for Plaintiff