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HomeMy WebLinkAbout09-05220 Harrison Ross Byck, Esq., P.C. 229 Plaza Boulevard Suite 112 Morrisville, Pennsylvania 19067 1-888-275-6399/(215) 428-0666 Attorney for Plaintiff #61511 CACV OF COLORADO, LLC. ) COURT OF COMMON PLEAS 4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY FLOOR DENVER, CO 80237 } Plaintiff, V3. DEBRA L RICE 82 LINDA DRIVE #9 MECHANICSBURG, PA 17584 No.: 09- 5 a 1 C.J- I u,Y.-- COMPLAINT To: DEBRA L RICE 82 LINDA DRIVE #9 MECHANICSBURG, PA 17584 NOTICE 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 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 the court without further notice may enter a judgment against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose 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. LAWYER REFERRAL SERVICE PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 AVISO Le han demandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted comply con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRTTA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL PENNSYLVANIA LAWYER REFERAL SERVICE 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013. (717) 240-6200 00 , First Union National Bank y ?137999y1688D Male dmick D+y.ble to. BANKCARD SERVICES P.O. BOX 15137 WILMINGTON, DE 19886-5137 4800 1371 9714 7501 CARDHOLDER SINCE 2000 07 PAYMENT DATE NEW BALANCE TOT 05/06/03 $51900.68 ?1 TTA?L' I PA $920.00 DEBRA L RICE B 215 HARVESTVIEW N MOUNT JOY PA 1T552-201900 S 00000000000000000000000000000000000000590068000920000004800137197147501 S 00057036400045316000000000000000000000590068000920000004800137197147501 DAYS CASH OR CREDIT AVAL48LE CY CLE N CLOSING DATE AAWk PAYMENT DUE 01 52.000 32 04/07/03 $920.00 05/06/0 DATE TTI TE Nt114BER E • APRIL 2003 STATEMENT CHARGES CREDITS (CRT DA nr PURCHASES AND 0407 0307 0006738 VS C OVERLY R FEE 35.00 0407 0407 0005703 VS C LATE FEE FOR PAYMENT DUE 04,06 35.00 TOTAL FOR BILLING CYCLE FROM 3/07/2003 THROUGH 4/07/2003 $70.00 $.00 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE AND YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS 11 IMPORTANT YOUR ACCOUNT IS SCHEDULED TO BE WRITTEN OFF AS A BAD DEBT THIS BILLING CYCLE. NEWS CALL 1.888.514.8095 OR GO TO WWW.BANKCARDFIRST.COM FOR REPAYMENT PLANS. rous . PaymaretS Balance and Credits r Sh . PurchasaS Advafeees * ? T se?[IOn F F ? Now Balsna c t Due ArDUnt ounc I wt S7 $5,703.64 $0.00 $0.00 570.00 pupa $127.01 $0 00 Total $5 900 68 ;rent Payment $132.00 FINANCE CHARGE SCHEDULE Car i0dk Corr . =1 nq lane, , . tal Min Payteant Due $920.00 y Rate subject 10 P FOR YOUR SATISFACTN3N EVERY HOUR EVERY DAY er Rate Finance Charges , , A.BALANCE iRANSFER,CHECKS 068436% OLV 0. ATM 6AN K 2 $0.00 To speak to one or our Customer Satisfaction representatives . ........ 068436% D LV C.PURCHASES 2498% $0.00 , Call Ube number On the back of your Credit Card. ........ 068435% OLV D .OTHER BALANCES ...... 000000% OLY 2498% $5,801.02 0000% $0.00 • For TDD (Telecorrinwications DOWCe for the DW FOR THIS BILLING PER bo sslstance, call 1800.346.3178 ANNUAL PERCENTAGE RATE ... 24 . Sa% : Prickten kmk Rana wW Trarn c on Fee FWwm chwilvej THIS DOCULWW I illing rIglRS are preserved only by written inquiry S A COPY OF YOUR STATEMENT. IT IS FOR YOUR RECOROS ONLY. THIS Copy is NOT AN EXACT DUPLICAT . Mail billing Inquiries to: E AND MAV NOT XLUDE MEASAOES I RICH APPEAR IN THE BANKCARO SERVICES P O BOX 15026 IMPORTANT NEYVS BLOCK ON YOUR ORIGINAL PERIODIC STATEINENT. PAGE 1 OF 1 . . WILMINGTON. DE 19850.5ws Exhibit B CERTIFICATE OF PURCHASE hereby depose and state that: 1. I am an Authorized Agent of CACV of Colorado, LLC, a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: DEBRA L. RICE Original Creditor: Maryland National Bank Account Number: 4800137999416880 3. On or about May 14, 2003 this account was issued by the original creditor. CACV of Colorado, LLC is the current owner of the account and purchased the account for good and valuable consideration. MAY 3 1 2007 Date: F Sworn and subscribed to before me this 31 day of 1'r 2007. Notary Public My Commission Expires: KRISTEN M. JOHNSON NOTARY PUBLIC STATE OF COLORADO 3.19.07 My Commission Expires 11/03/2010 x hibit C 07/20/2006 15:26 FIA CARD SERVICES 4 91267295M44 N0.873 9002 3 f ! c 40. bitratow, NEXT90 a. 07/20/2006 15:26 FIA CARD SERVICES -> 912672952844 10.873 GIM Your Contract Wftb Us Ypur Credit Card Apeernent with us tOrahfts of these Ad0ionar 71iirrns and Conditions and the docvment Called the Required Federal t>lsclosum or the initial Discloetrre YWAsmo to the terra and conditions of this Agreement Fottho purpose of the Ptitrrpr watt. we Will use the definition OWOhed in the third paragraph Of the Prittrrrr ftifi. For the'rernainder of the Agaement. we will use the definitions described under the section hudMg orals Usd Olux in US ApwmenL Year PlAmq Is, no mo!K to eat At MBNA, we are am mitred to prwkfkq you with the nnm nnandal products and avAces barbed by comistently to"ualft setvAnd while k*motion about you b fun&mMta to am ability to do dos, we fully temVft the important, of bang personal and account information secure. To offer you the widest tinge of products wW services i MBNA may share infomtation about you both within MONA and outside of MBNA with other companies. Thk allows us to oft you products and senioes that ` may lftt~ you and bast meet your needs. whether thy ate sved" dkocdy from MINA or through our relador ips with other compeniw. We went you to understand our information solope ds. moat kk matW we oo0em whsa bhtormroon we share. and the benefits you'Nolve when we store Imumstbn about you. This notice dwcibes the privacy practices of MSNA Corporation and all MBNA aMlinilm. indudfn` MINA 1 Amafcp Bank, NA„ MONA Mrtaka (Delswom). NA, A& than Tmvd Servims, inc., MINA Halbnwk Information Savithss. Inc, MBNA Morbetl Systems, 1 Inc., and It1BNA IM M= /IBntq, brc (adiicdvely. 'Mf3NA ). for blssncial pmduQt and servitor governed by the laws d the UMW States of America. This notice awlains MBNA's information oolleetion and AW4 paMm and he you droose whether or not r lnM A m"* of MINA wkh other conveonles. hair Bawr14 A?+Mese* MINA understands the immport m of prottcd end acct Im Mkirmetion and using It apil ACM to (MOfnl Mw about you is marimed to the people of MBNA who tequke it to i products or services to you. We trtairttein phy"l, ekttronlc? and pmosdural sefeguards t?lwnfi federal standarWor the security When MINA shanty Inkmation about you with aontpaniet outside of MIKk we retina titan to impute safaptards, use it only for a permitted purpose, and to return I to us or desboy It once that purpose is served. We limit the amount of Idormatfon defied to what It appropriate t o oft a product or stun A- • d e n t l y . MBNA requires any- t ipany reo&hhg Nbr- motlon from MINA to sight a ConfidentielityAgreement aonttlning twee requirements and obligstfng that oompany to pnoteet the information as we would. a. 07/20/2006 15:26 FIA CARD SERVICES 4 912672952844 N0.873 pM 100trrOU94 Ws Colleft M13NA Colkcts and uses nonpublic personal information about you to conduct out business and to consistently deliver the top-qusht? Customer service you expect from us. Soumes of this Information indude the following: • infommlon we receive from you on "Ications and other forms or through your correspondence or coMmunkAtion wish us including through the mail, by telephone. or over the Internet: • Infortnatlon we receive from thin( parties. such as consumer reporting agencies. to verify statements you've made to us. or rthng your employment, credit. or other relat?ps. and • In bnrrstlon about your tmnact?ons with MOM and with other Companies outside of MBNA. hterood" We Sure ti WI& AMA. we tray sham all of the inbrnatioh .re cokct about you with flaandal service Companies wtthin MBNA to aKet additional prodads or mvkms that may Interest you and but meet your needs. We believe this is convenient for you and nary Safre you bath time and money. To do so. vm share identificatbn indonnatbn Isuch as name and address). transaction and mrperiemCe infomution Iswh as purdWo and payarenig). as* ehgibibty bhldrph#&n (such as cme t mpom and &Wksow), and other inbm*t pn. The decision to Pvchase any such prod- ucts or stwioss is YOM alove. You way tell us not to share a>sdk all?iltty Nrlarrnstlon about.you wkbin MBNA, but pyre understand this does not prohibit us from t YOU atidltturai pnoducts and servim or fhdrtt dialing mmusotion and mpM enae, Wetitilotic"t and Otthef htbrnatk?rh within MBNA tdortsatlea We SbW Wldt gets/ Fmm time to tlme, we may slicer Cctnpatties outsidt of MBNA to offer you their ptodtca and terviots that rrgy intetast you. These products and aervlaes ma r be alterod by IhuneWl w6ice providers Isuch as barb. loan brokers. account aev"pto s, inbinance agu?ts. insurance oornpanies. M" W ba ASM and agar WO brpNes`dealmL by nonfinancial eoMprnbs Isuch as riWism and Mr• wxem OorrhrrrrmiCeaorrs oampa tes, hhnrnet set4m providers, rnemda twers, aervlce a>r "nles, travd aaer+ts. Quist NMK Cap rents! agendas. hotels, aldlnes, publkhm. and orrarktonf endorsing Ma mA Ansncial orgsnliNdmi Subject to appiloW law. vx my re all the INomntion we coiled with these companies out- side of MONA. unless you tell us not to. AddhionaNy. we nay share all the inoormation we cola t with ODmpanks that palmn ww%atnt or other senrins on our behalf or to other financial ins"tutiona with which we haul tolnt mediating agrsenwo, We are also perm*W by law to share inform Moo about you with OdW Companies M cWWn drghmmances. For Inswroct. we tray share all of the Infomgoon we collect with oornparrias assisting as In your Ivan Or 410mu rt. wkh Companies that en Once our produas and services through aMnky agrednenes. with govemment entities in resporhse to subpoenas or a, 07/20/2006 15:26 FIR CARD SERVICES -> 912672952844 NO.873 0005 regulatory reouirements. ant with consumer reporting agencies. it you tell vs not to share information with companies outside of MBNA that wish to offer you their products and serAces, as described above, please understand that we will continue to share Information in these addtdonal circumstances. ba mbM tnf notion Abort 1bw Owillm We're dedicated to serving your needs - and to respecting your choloes related t?J?You may tdl us not to share credit eligibility wbtn MBNA, and you may tell us not to share kdOrmation with companies outside of MONA that wish w offer you their products and serv- ices as described abae. If you with to opt out of such ?l Inbrnetio you shwin to g pkm dl toll-free 1-866-VII-1255. t ty your identity and the specific aemunts to which the opt out applies, so please have all your account, membership, or reference numbers and your Social SmAty number or U psyer identlflcetion number for deposit somunts avatlabie when you calL MBNA applies opt outs at the account kvet, not by lro Ndtral Customer Whin any person listed with others on an account opts out (for Womple, a comppilmet, joint i account holder, or authorbed uW. a will the entire aoooortt IS having opted out. MBNA will continue to i adhere to Its disclosed prtvacir practices for an account evert if it becomes inactive or is dosed. ` as descriout horn informeition bed above, either within MBBNNAOandbr with t companks outske of MAN& retrains ~We unless i revoked-in wreting. Federal nrgtdatlons require its to Provide this sawim has m opted out or i an gw of hdontuitlott tthaAttg, phase reprnrnber when you AKWtv our opad cut b aual-nwe es riatim'dw i on INS=W orrttatlort rK land not revoked In wetting) doss riot need to be opted out again. I This notice updates and replaces any previous notices !rem MONA about the p faq, severity, and f protection of IMortniie n. For additional Inle ardor 6 M&MV pdngr prataticea cm coming the Intemat, and to view the most recent version of this pcivaa notice, please p to 1iNISCIiboa.m and dick on 'Privacy Notiem.' You may have ether priveq pro` tections under state lacers, We tray amend this privacy notice at a time, and we will inform you of changes as required by law, 'w Use O(kAl in Tliiiz A/IIORNl6slt Ageaeeurt- or -Crsdk Cad ASFMftW Means &Me Additbr d Teens sad Cm tkm Rees *W Fedora) Disclosures lor the kkW Mscloeure) and any dww we ? rnatae es those doCUmente Item tMre to thee. '4bu- sew!'your roan arh cord ag d the parsers wive ate Ganrid aeeapt a wa an aomiatt we hoid, 'Yes' aed'yoar also ease any othw owaan wive hss auerwawd grnwrnt oI tees aomunt, when and M the aaeiom antltied WO May Maxtor used * ? ? CA wd Art hvim ad iltyem aW when mistinif to Mn" f tW cram " r 07/20/2806 15:26 FIR CARD SERVICES 4 922672952644 NO-873 P006 (Your Prt nl& m F* and Hi w• We Allm Your Pyrmme, (or emmo. 'We,' 'us.' `our'. and 'Mom Amenca' mean MBNA America Bank, N.A 'Gard matins all the aWlt aids we baue to you and tc any other person with authorimlon to use this account purituant to this Aptiament. 'Aeeess dreck7 mein: an aocm check we provide to YoL make a Check CUh Advance on Your amount. If we use a capitalized term in this document but do not dOr* the tam In this document, the tern has the meanin gh" In the RagWred Were) dtdosures or the Imirial Diadosure or as used in Yow monthly statement. We use section headitip Itue h as Warns Use/ OKea tK "• A/es Mod) to of *tn this Atreemeet. The actual termw this Agreement are in the sentences that tollw and not the It"Ma". Sion Your Cant You shoo sari your Wd before yN use k. we ft M xftr ati R@wd T& YAW COL. You Mute t to and Aftaft MLNA Matta, arty of lu d! ates, at its rutr" assoom to monitor andlor record s of your telephone a mMdaatlnire with Ow rep esentatlves c the rapraeertatl.ea d atnr of chase caompanles. Crr?t ? A/eRdei You aaetiorare MNiAAmeia to aollett MbOtrrreeiai abou. ym. indudrts auk taboret, dam opnsrtim niMung !M If YM believe we leave Itarnishaid btaoarrste or lnmmphtr Inlonnatlon about yen or your f== v a aedit ryMnin, Agency, write w * MLNA. Gedrt Repotting Apncies, P.0 Los 170%. WUmtatoon, DE UM-7M. Mite n Indude yo name. addrmm. have Phone MMbW, ad aeoown «utnbar and seW trftM Wave Is laawau or i e, HM to Use Yoga Ann* You retry obtain oedtt In the tOrnt of Purdwes and Cas Adwncet by usbrt your ook Oates; checks. is=unt niter W v ether credit deviate Pkese few to yow Requlmd Federal DisdoWras or m W Dkdmim to determine what uanaaiona WoUtuaa Purdtscse and Cash Advance and how you eAay obtain then. Time DA?'U? Cetera! Calk Adtrec The tiannesedm door far Om* CNIt Adva WH and Bob wh the dd" I made P i v able ? Ilm pu or d"iocWbar eashee t do& The transsaien date for a rettarad pwpmt (which wig then be ele"W ai a Mnkk co* Adwtoe) is the date thot the corn:=W ttt Paynant ROOM to yow acooutt. Pniteses k Udat? Yftr Aaettttt You may use your S= wt for P MOW. b a t e tee( »tifPoea, Yeu may not m your Kww t for bwinew or canmaroal purposes. Yon may not we a Chad Cash Advance, or any other Cash A&MM to Liebe a payment n this or arty other dada s0ootra rah ut you my not use c Permit your account to be read to make any iaepi transact Pawn Uit Yea Aaehaw It YOU Permit any peraor to We your and, access dreg #coount number, w other aedtt devles with die outborW to obtain credit on your woo w. P4 may be liable for t n. 07/28/2806 15:26 FIR CARD SERVICES 4 912672952944. NO.873 0007 transactipns made by that person. Including transaction. for which you nosy not have intended to be liable. even if the amount Of thOff transactions Cauesa your credit limit to be exceeded. Authorized user of this account may have the same k%*u to Information about the account and its users ai the sew nt holders. How You May Stop PayxgW on an Aam C"d You MY regwK a KV payMOM on an aocae 0" by provkpnti us whet the am CMdt numbeu; ddlar amount. and P UY" 01001 N they appear on the access chddt. Oral and W*W MP POWIM at as foam died am dfective for sit months from the tAat we pim the stop psymem. You No M9 Pe Wde M Macs CA94 You not issue a posda W aovi do& on Ivor a waft It you do poOWN, a an wow Q*& we may dw to honor It upon presermvient or return it w"id to the Person who Patlsastad It to tat for pWMML wfthott• In sides ease. dlMm on ItIve *am do@& We am not lk"* to yvu for uiY 100 at ea 1- I bxvw d by you afbh d oat Ct the action w& ON* to Wke. ]LOWPron utoPa You Promlas to pay us the WWWW alt aeth you OW K which indudea all Purdraaea sad Cash Admnas. You OW Pmmba to pry a all the smounn of fiasnce • Fees;. and any other tr rodions we dwp against Your acootmt. PP? ee Yoflfr ACg1Ult Yon must pay a m% month at low the TOW Widinum Paymwu Due Awn an your monthly staaensw by your PaylOwtt Due Dab. YW may pay the aroit amosat you owe 05 at any d=. PusYnttatsa made M airy bftg qda that are Pvtow than the 7atd 1lieirnvm Payment Daa w11 npt affect your oWWO" to mays the rift TMI MUrliarum Payment DO! a you overpay or n ftM is a aedh belaw on yarn j SOMU lt• vent will act pay kawssit: a+ weA amoumv, Ws will ! MhKt P"Wlanes dW era won dream In US, dollars. and those drtrwb oa Aaandal _111 411511110 locsnd orrortda the drained SUMW POYmaM of YOU TONI Walerorn Payment die may not avoid the aaealment d Overltmh Fits. Wfilm Yoitr Payrimt WE Be CreOW to Yow Acoolltut W4. elydlt peyrnanss ay of the dace mashed, If the piynat ' f la 111 received by 2 ttr.Fa. lbso n 7%*)t (2) uoaved at the 1 address shown in the upper lab•hod oomw of the Root of i yOtrr maathty w aftnie tr p1 Paid with a div* domm in U.S. dollies on a U.B. fing"lal kW*VtWn ors US. dOOK matey order: and 141 OW in ties nWnit OVdOpe whh onhr the top Patios of your "no t rcafted after 2 poaeany dcar qP "dk*l ehe I vw { Date. but the cOwwlse meetly obtyre miptivements. will be a$ of the mey be delayed up next %v dwroft . fee any other payments • } NOW We A ff ff Your ^PI>>lrfwtpds 4h trill alloora yaerc psymaMe in the mermr ire de-Um tapi- Irk mW Irtatasim• we win alloa ! roar POP MO to beffam (Irx%dbrg new nalrcacfts) With b*WAPb bd= befalm wkh i APRs (wdtr ethos whh promotional Aft d(ens) being uaaid 07/20/2006 15:26 FIR CARD SERVICES 4 9126729521344 NO.Q?3 VOM beforc any othcr existing baiancft Prow" to Pay Win to All Persons All persons who initially or subsequently nquat, accept. guararttee. or use the acwunt as indwidually and together responsible tar any total outstanding balance. We may refuse to Masse from IWAIty any person who is ntsponsibta to W) any total ouatanding balance. until a(I of the crab. access checks, and other credit dtnrkes outstanding under the account have bee returned to as and any such person or Persona repays us the total outstanding baNnee owed to us at any time urdsr the tears of this Agreement. n_+*0 Ybu will be in debult of this ApaelrNrrc iF. (I I you till to mom any wMied 1adr1 Mlnimtatt Pry-1 Due by its P"Mr. Due Dana; (Tl )w tool ougOwr--mg bahaca eto0asds your aed: Iitak. or ill )VU W to abide by any odwwm of 06 Apesgrartc. Solely for the Ptnpoaea of d at? ati?ibiiity and p?ani m payrriaK oftOora IN the oredit Insvir a d? lbw MW& You wW be deenrM In ayatertt within a days of your floyme rt Due Date. Ow h0we to a wan any our rights who you ddm* doer not mean that we an unsbie to aenise than do* upon later datattit, wIM we MO "ft WMASNIC Prgtlfrtl of yon ate M ddwit• we ale 1*** h media" wytnen• of your total ounrtararq bolanoe and. union prnhlbited I a ic*% law and aaaept ar odNrwlss pmrided under th• ttrodn aid 1JIWft sedan of tbi$ Agreert K. wa nn also require you to ay the costa we b"r in any cotiactio proowdhua, as well as reasonable attDrnoys• lea 0 we r6 your eceotnt for ediviction to an anatrey who is not our raaeried ematoyae. we pre arcept fatiapeysrmp. partbi pwimeeft or w Meats with any reatrieth* hrriting without Iosine any of ou rights under this Arvornent. lttb maims that no paymem irhdpdrng those nmoto wit IWd in lust a with any othc renrlctim wads. *491 opsate tar a atmnd and sattslaai. without the prior wrmen op%* of aft of our "Nor am. You may net use a postdated dw& to make, Psynrant I you eb pondate a poll wt cinch, we marr atec t to honer upon prosentment or ntww h wrc iedleed to the perlan w preatetad K. without. in either ape. Miring for the date sftotm on the deeds 1Na taro sot Nabar p yoe brans ors or esww baited by you "" ex of ills action we *4 to PRONG HOWW we may allow you. Meal bile to time. to omit a "Witt; peyarent We win nobs you scum thlr option it wallabi You wait a poynsnt. Mattce dnsgaa am any app{l-I-- wial soma on your socotait in w&dwm with this Avetw rm You not rMtarra anakirq your Total Minims PMymew Due ands rrroutd? bnotgag a payarsK holiday. Trawadlow MdAv he Fgotdan C 1"nit If sou malrr a aMUrQion a fdelgn curmicy ft trap: will be eorrvertad by Via Interview d or Mostercad (nterrtatWal. depending on Whldt card you we. We* a i dollar amount M acrwdanoe with dra opetWq reguiatic co"vewon Is PMt uad• CCu?y. time regulations and procedur provide the the currency cowenlon rasa to be used is , * 00 f a. 1 07/20/2006 15:26 FIA CARD SERVICES 4 9126?2952844 i a f f N0.673 9009 +1) a whr!bsafe market rats or 12) a gwernment•mindateri rate in effect one day prior to the ptocessk% date. Increased by one percent in each case. Visa or MasterCard retains this one percent as comperwtion ipr Performing the wneney converiton eervrce. The currency c ometsion rate in effect on the processing date may differ from the rate in effect an the tmnsa?ctlw date or the post ing date. MiN 914! - Your billing eyde ends each month on a Closing Date determined by us. Each billing qde begins on the day after the Clad" Dsa of the pwvlow bilbsrg cycle. Each rtahment reflem a single billing eyde. 6gEM gt Fates a" Y !M AuN-1 aaat has 11+0 Mowing less. w" we set lotth in year Raqwmd Federal t7bdostaas or inabi madosiae, m dotted As Pufdwm in ft billing cycle in whkh the fees wm* I I I a Late Fee If tM Taal Wimum ftpent Dwr Owen on yar monthly statement Is rot modwd by w on or before its Payment Due Date; 121 an O" limit IN If your new Selena Tatsl e:oceeds your. •credit limit on the last day of a billing Cede, even d fee of Nna W dwMas darted by w cause your New Solana Total to e=ftd Per orbit Ihnit. an OwtHmit tee is charged to yow a000Yat as of the d" in the bditg qde that the total outstanding belanaa on your am= eaceeds your eedR Omit: 191 a Returned Payment Fee if a payment on your a=wt is raw ned for Inseffident funds or for any ocher reason. even if it is paid upon rulinque t pres:rrernant. 141 a Returned Cash Advance Check he if we mane an epodes duck unpaid for any rgap ' . awe Ifthe aowts died! k paid upon subaeoumn psaentment. f sl a Copy Fee for sch WW of s mouthy statement or sales dat emu that the sbr aunt taomt mow* swamem and sac select daft will be provided for her. wW 16) an Annwi fee If your savant is open or U yap maintain an account balance. whether you hove active drtepng pd* legs: or not. applicable vre tMli ?? (/ntaas prohfblted by rap your au-m. as a llurdwase. for any costs Inarrsd by us associated with cwnplyfng with sage abarhdothsd-ptopMy Una. Fleece MVWO disrobed Fal" Dfsgowm or initial Disdosutr for M leas and diarges that unsay apply to yow ammm tiAe may oMw ya? asrtain b:theflts and sitvioes irkh yoar amww- Unless 60fts y me)de a pert of this Agreement, any such ber+ t or oMoea arenot s partof thls Apaemunt but aw sublo to the tams and nllrktfer?s WANnW Mt ilea b"wila brocMme and attar ofligal dOarMarot prOMded to you from tune to time by or on beW of MSNA Murices. We may mdltist, add. Or dWw bwwfi s and mrviws at any time and withoat notice to you. ReEi" to HOW Yftf ACM W *-are not liable for any MftM al to? honor your aaaown. Pilo anbidudsitM"tohoM) w00aawxWnor"W OF arty Bred wee an your aaoovrrt We we not liable for any n"Mion of you Card by Ls. any other bank. or any provider of goods or sawices. 0720/2006 15:26 FIR CARD SERVICES -) 912672952644 NO. 873 9010 We May Suspend or Close Your Account we may suspend or close your a=unt or otherwise term: your dot to use your account. we may do this at my time z for any reason. Your abppatlons under this npwment Conti, even afar we hays done this. You must daproy cep Cards. aG dhedis, and other credit devices on the account when we rect that you do sD You A Close Your Mount You stay doe your soooum by no*ns us in writing c telephone and destroying all cords. access dfede, and oti. Credit devices on the mom xt. Your obiiptlons under th,a Agreement continue even after you have done this. TnUMCUM AAr Wff MAW Is Cbm Who your account is closed. you must contact a? nyone autim3dwd to ehorq bvnsWkm to your account. such ac htou+nat wv pmvkhllF hearth dubs or Inaumno/ mmon these traremim may continue to be do" to your account until you chertp the billing. Also. If we believe y, have authorised a trwdemlon or we attempting to use yon samunt after you have requoned to dose the account. we may allow the ttansmign to be chw* to your account. we MAN AnawNd Tki1 ASMM=t we tray a mend t nib Alrow" nt at any time. We may award k adding. dele ft or hangprg provfdons of thl V- we amend nod iegtd enta Alliftem. of ledial will f lath the and Delaware low that are In aQaet 1s that thee. It IM arn"dVA ahmaa you the opportunity to spa the dame. and it you Meat the dwo in the rnpmer pn~ In such amwKt- rnent. we may terminate your right to nraeive credit and mi? ask you to return all audit dewors as a oondtion of your rehxtion. The awe wed am w find udky arty hlgltear or other higher dhatilas or fiscal will apply to the total out- smading balance. MdiMlng core belartw esiatirtg before the afiendtnant became eltective. we roar replsae your card W another cord si any tome. We Mary sell Your Areo+Mlitt We ray ar any thm. and without mm to you. sell. asst. or transfer your account, arty sums due on your semnt, th AarMrreat, or our rights or obNptkxw under your account this ApwmM to to w any 096 ode Mignmeat or varwe W entitled to all of our diets snit obfigatiorta under this Agreement to the extent sold. sallinad or to nsterred. Your Cramp Unit Your aedk limit i• disdo W to you when you raoeiv. ya ord and, gengm0y. on each monthly atatermt. We may chartgs your credit Nmit from there w time. 7be arnotmt shown OR petit snond 4 sutural tt as cam c Credit Asailable does not take Mao account sty Pwdtasas, Cash A"noas. Am= dtar,es, kft any COW =n MlM or credia ft posit to your amm 8W Ow Clong thot Monthly stattmient. S CwWctForte could muh In your credit limit being exeeetkd and resuh M the sssessmet of Ovedirrut Fees. What We Mfg Do If You Atka pt to Exited Your Crum Liao ooTt ai army ouwAnft time Must not be lladam an M* >?aomut plus audwm. ymaadk limit. Kyt e7i2&2om 15:26 FIA CARD SERVICES 4 912672952844 NO. 873 D011 anc"49 s tran"dion that results in your tots! outstanding m snce (Plus such hwims) cKwadins your credit limit. we max 1 I I Permit the ttanssaion without raising your credit limit. is Permit the transactim and [teat the amount d the trantacric that Is mote then the credit limit Al immediately due: or 191 refuse to permit the trsnsacsan. U we rehue to pem k the tM81011on, we may advise the Petaott Who Ittempted the ttanwctbn lhat it ) a been rahse: it we refuse to permit a Chad[ Cash Advance or ealaw IMMet. it mey do so by aft" the Petaon pr"wWrit the Chedt Cub Mande or ealarwe Tweler thst OWIt has been n h*A that &A n sae kw jMdettt km* to Par the Cited Cos •Advena a tala ut Thnskt or in any other manner. If we have prw;asty you to eracwd you, credit limit, it does not mean wo will per,ttit you w entered yot credit limit Apia. N sa decide to Pam* you to etloeed your MM limp, we may dnarp an Ovarlimlt Fee as provided In this Apeat "' U,M!9W* is Um of Your Ca?rlt PIUN notify as immediately of the bas. Oak, or poalbb u1116VO ind use of your as munt at 1,M7*4701. Yon Millet N Us W(w Yon Ckw Your Denis[ Wt strive to kW sacume raeveds for yow bwtell and sta. The Post of m mad others may no* rw of a chants tc ya>r Addrtss. Whim wo donp your sddrasL YOU must non( us pooffm of your new address. Wlw Lett Nltl g 11118 Apeetn u- Is made Dlelawwe and we errand a": to yoe bosh Aelaewe: Thin Apeemo rt a down nad by the law d the Sea of Ddaerane (wither([ MPtaMtd to Its oie0tet o 4" WineWeel and by any applicable hideral Ions. Tlfw PftVW N/ of Tf* A MXMt Are Saw - If arty ptturlsbn tut tMa Apsernwnt la Mond to be lnvalid. the ranhafnhnt P?oblona aria mMintx to be dfeetive. our to Out WNW or ddtq In eximiti ft 'any d our !mss tsada this Aptemetit r does not mean that arts ate utnable to aterdit thaw rights low ? dilaw 71M Aftitidw and LkIlloft prwA" snookers to your. unless you were tiverr the to tOW the Atbftwkw h and Ltdptlon pw!idotts attd roe b to row them, in the I [[tamer stud tintafmm r Mbed. It you did rejaet 44@avdy ehxh a txoviaion, watt ap?sle shit any atitatioa lttotstiit br yo, apitm us ntprdbnt this smurit or this Apetewrc shall be brotttht in I anent loaded M t1w Stwe of Delaware, the ony of dit or dispose (13W) by other toe or us *Wrm r aphtat the empbtesa sputa, Of maliIns d the other, MOM kam or 01111111 % in any Way to this o any Prior Apetraim or your atsount (whed w [tads • statute. in oonetaot. tat, or oMw+rto and whether Ior money I dameSes. penaltiK or dKI011 loeY or eftiAtomp mUL tndudint i Galas 1011101di t cite willimbilky at tea Arbft; t and utitatlon a.uxlon or tie vaadilty of the wit a Apesenmt or s ant Pdvr Atme rwim shall be rasohhed by Wtrd %arbitration f 1fw arbtraryon shall he Wttduuxed bt the Netiand Atbetla to . 07/20/2006 15:26 FIR CARD SERVICES -* 912672952844 N0.873 17012 Forum f"N.0 i. unner the Code of Procedwe in effect at the nm the Claim is filed. Ruks and foram of the National AtOttratnnn Form may bar obtained and claims raw be 111001 at any Nat OM Arbateturn forum office. . or P.O. Box 5014: MbvispWis, Minnesota SUO. telephone 1400474-2371 of the NAF is unable or unwilling to oar as arbitrator. we tna), P)batinrte another natlot»lly nteognited. IndgmWeni arb4- trati0n oganitatlon that uses a similar co* of pccoadurt. At your written request. we will advance any wWtMion fffi n f fit. at athefnistra0%v and heanag tree that you are required to pay to mme a claim in arbitration. The atbitrotor will dtcide who will be ultimately responsible for mine those fetu& in no even will you be mtfu rod to reitnburae us for arm arbkmlm fllbag. adrmnia =&& or htaarint lees In an amour pests than whrt y0w court costs wmW harm been it the Claim had bwn resolved in a irate noun with iurmbetlon. Air atbittatton haatbK at wbidt you ?pasr will tdtr place wlgNtt the IsdaIg tidal dkaW tftst lndudes your billing addMW tit die bate the CUim is 11" ThM arbit mMM ". Pont IS Trade pum to a tranucsion bnoNing 4rterstrte cmnn?art wW "I be doAmil d by the Fedwl Moat(on Act 4 U.S.C. if 1.16 (-MA-). Wdpnent Mm any arbitration awed atny be etwe (n any =a having iwisdioilon. The arbitratot tafaalt fitllow eedtatlrrg subdainthm We, to the estett wt nc.ddr die la1A and appilcablat Astuto d lnnftntiim! and ahsi! honer say dakna or prhalge recognirad by W. If any pity mgvm, the arbitrator still write an o0nion con- talnbfg line nrraoars for the award. No 000 raabasitard to skill atim IF hood by a fury, and no Coma tray be btaugftt as a dear action or n a private at NM son". You do not bm the right to act as a dam ropraNrKatiwa or pertidpaa as a n v Wr d a tiara of c4harnte whh mapaot to say 0sWL This AfbRtatwn and udpeion sactbn appho to all Cremes now in existence of that nary ariw in the futtfne. This ArbioNop rid Litigation settiott shall waive the taantivotion of your account with us as wdl as any voluntary Psynmit of the detbtde t I full by you, any btnkre(ttq7r by you. of by us. For the purpom of this Arbitration and Willallon section. W and w n was maNA Aaawiw Bank. NA.. its pamm. subaWinfw. aR(lWW. licsnsess. prudi C - Ae, rucoaMM kvim any pwdmw d four acocsnt and aft of their of ran dweemm ex 'pot agents. and udgw aN any and all of than. Addlrlooft tee' or •urp?sphaA mw NOW thhd party the saovunt udkbw no IdNgd In ask bwwtts. hraer M audit device Issued =forft account rrwar?da Nna nter rsrvkw cram Wava" canpaMss debt eolieetara. and all dtheir oMforra, drown emptoye? rid agsrttrl r, and only if, suds a third party k named by fou u a aadMandant in any Claim you oaten against us. If arty part of this Atbitmelm wtd LRIptim racket is found to be invalid or wuaforomas under any law or Kum conaktant rrda the FAA. the remabndw of d* Aftretion ant ut4pAim seen shall be wnlora hlii without rapid to ml OF U" 1 10rraabii q. THE RESULT OF THIS ARSURATION AORO MBKT B '1T• N. EXCB?T AS PfAMOM AIIIO $ CLARA CANNOT ME LITIOAIM IN COURT. IMMAKHNO SOME MAW THAT COULD HAVE BEEN T RIft KIM A (NRY. AS CLASS ACTXM. Olt AS PRIMKM ATTORNEY GENERAL ACTpW ?a 07/20/2006 15:26 FIA CARD SERVICES 4 912672952844 NO.873 P013 CREDIT INSURANCE BENEFITS, CWW 11FISUL4111 >< lie NOT A DiII0112s Mn NXC- N s NOT W AW 1MM GDY MMENT AGBIOM, AMP NW Ci11MGNTO1f OY TB M4 L PURCH M OF CRAIXR 1114liRANt6 m NOT A CONDrWN Of OW AIiTeO Clll11[hG W COVERAOS a otitaD. iT Pop you minimum monmy payment' up to your balance on d* dW of lose; lnot to as ed S29.000. estapt d somily In? heft., ?until you neum to wade., U you are irlvoltiritarily V=WWW oyad, M? mobled, or if you or your spouse Wks$ enveaed bmuy Mae. Credit Insurance abo pays your inured cutswoft bsisrtoe up to the loser d your ouaira ti baluta. yWr gWtt limit (nOt AL. AZ, AR. DE. DC. 1D, IL. U. LA, MD. MN. M$ NV. ND. ON. OK III. SD, Vr. WA. W 6 WY). or 523AW if you die. One imared Per aoLOm Ilm used irsiiu be tho pdttatya older a a arappliwnt. authorwd wen are r?ot elyibkl- under *";I (70 in AZ. NV f; VA; 7I in PL. GA. MI. MO i OK. 72 in NMI. Your aoverep ends at these acme no I - pI family leave M AZ. YL C SD tr itnarnploynrtet). When enmil" cordlious will be trial ied eeplsit" your Overall* f: dhdae dace. in MN, unsmpbpaent aowrap is Nfictive bi days Boar your taetdAap a(htilat date. For wsgnpbyment or family kaaoe beMRts, you must be pWWiy amplayed wad AtS allow !0 hrshrk foot feM?ntpbyed Or an aorih 2g lj for e0 oonsawtlaa days tisI tits dste d s K ICO. boors spplImtiatt dater IAA - at the due d loo). Rntpwroe9 p =Vow" bit 410*- 111111. (muranoe swats: your deaths bs?olutMary ? out t>) bb loss. plena! atrda. Wounisod law dfepute. of M t0lKs NW dMa ft due to - d" iris or b*vy v you we Wabie to palm.. tht: Material 6 substantial dudes d yow lob (or any lob after 12 mss, in PA. la Tom. in AL. AZ. AR. CA. DE. DC. CA. HI, 11). IL. 1A. KS. LA. MD. MN. AS. Nil. NI. W. OH. OK. RI. SD. TN. W. WA. WV. Wt & W): your or Your spouals taapaid have d absentee tram so"Mtriettt due to core of your rawbom or newly tsdopetd di9d ar an k-.-, libtted inetiadlaea iet* memIW miss be xWoporentipAi0mondetwYeale active aiftely dw (@v; M AKk o? heidener in *I,'- faMy dodwed d omw aNS. Law (nOt dwhi m st condeve at leas ]0 dsyr betas bent Rts begin. In NY. for stokes, unfonMed labor tRsputas i lodoattts. you must be urwpbyod o be AK 7 bdM ba b bo@I dolly ly benelk is paid tot eo& day of Was over 30 dep for tmemploytteant in NY & PA. and dbW l" In CA. Cr GA. W, Ni. PA, u i $C. you my euroel this t a s s at any lim* if canceled wMlri the Mat 10 days cif covow all ptemNmis will be mbxWed. [not MD i MO). InvolttxWj Ueteriploymwtt rdk~t. n1gE+ubn, rpletiery lorldturt Of iaesAme sir lob loo due to Willu ore7imhial Mieoottduct dbabiMty attibea M IL, military dbdianp in NY 6 namtal sear--- to 7K DINWIltT noriwi psiyA»recy or dtUdbt? MA 6 NVI. intentionally sad-intlitRld k*Wm (root MDL or a pm-edKing medical wndWm durbq Mat 6 months of oDvwW ind Nil. FamflY leave beneft me not pold If 1-...% tan..... ream beieor a you ra disabi d. for or 1 11 a, .I 07/20/2006 15:26 FIR CARD SERVICES 4 912672952844 NO. t373 0014 This is only a bHCy description of coverage. and eoveral;cs i varyb7 stsie Please refer to ytwr cenificates for a fwi explanation of coverap. CAM Rug, W er r AIN M ? ?Clallr w? costs awly to Life (L).01sab1Ut71D1. Unanpleyrnent Ili) 6 Family Leave IF). AL 54.Sc: AK lie: AZ W ft AR 99c: CA 89.9x: CO 50.66c: Cr 4184(: DE 94.91: DC 99.9t: FL Oft. CA 90.8c: H1 89.91c-. ID 993c (L 8.6c. D ?6.9t. U Sac. F 200); IL 80.97e; IN 96e: U 97.8e (L 7.2e. D 16.6e. U 54e• F 20ei; KS 85ATt: KY 97.41: LA 99.0k: ME 511.0k: MD 79.74(; MA 15.7c MI VJC; MN 31.47(; MS 92.k; MO 61.lc: MT 93.9c: NE 911. NV 99.87(: NH f NI 97C NM Si.9tr NY 52.k tL 8.8c D 26.ie. U 16.9ck NC 71-k: NO 94.97e: ON 99.9e: OK 97.47e; OR 80.8t: PA 38.1 C: PR 99c: RI 99.k. 8C 71I.84; SD 99.9c: TN 91St; TX 31.7( (L 4.1k. D 12.9c. U 16ck UT 90.44(: VT 34.92( IL 6.68(. D 12.24e. F 160. VA Il t IL 6.1C. 0 8.9c. U 49C. F 200); WA 89.310: WV 99.5c: Wi 934c (t 5.7C. 0 8.9C. U 19c. F 20c): Wy 99.7t. ANINAM InvohMpry UnempioyawN Is not awlla* Ir MA or VT. Family Lave Is net svalW k in AL. CT. MIL MD. MN, NM. NY. tA, orTX btvoltmtery Aw4fi AS?), =4P-Is4P 9(s18s1)and LAIC-1P: ftndard Ow=WW Lol (w ) INN only!. Wit 6 Dlsabft. Uelon 8ecu My L bowt. w-o in AL. AZ. All. DIL DC. ID. IL. 1A, 13. LA. MD. MN. MS. W. ND. ON, OK. Ito. SD. VT. WA. WV 6 WY. 9twWwd Cuarenty Uk OX mW it usffl2N3.s ul. FMS[ Fortis Uk (NY Ufa oalytlttvt M0013 Antericen Se oft (NY DWW* anlyYW41-A Fortis Insinney (ME aAT'J A1-X-A Faw* Lot** American SarvriLy/9'L.P 14197). PU14 (IZ" in Fie. FUzNC (314811rt NC. R.P-OK(4197) ie OK. F6P?VA(2198) in VA, FL-IP(AZ)I?M) in AZ. RAP(W) in X 6 K RAP4Kf31120") M KS. RAP-ME (41941 in ME; FLAP MM419711n WY. Stirsdrlld 13rrattm p7i lb (4" In NH: onion feasrfty Lik4 '!AY44197i in W. SoIkkiat ? for Ftoddo an (ho* M. Gordon and The cmdKor may" tr cw0an Ow in ownwion with this otkr. It Is it vine ID provide faMa a Mk{eadlft intonnadon m an Ir". fet the pwp6N d -e dki the rowoar or srq other Perm k nktM ktduda Imprlsorsnult anWw (inns. In addldon an ImMw sissy desty bwu m ba Adb l1 b11re b* nnetian msterWiy Msgd m a dWm vas pin-lrI by the appkm. • Lew PW due PW am aWk Nmlt wnouttts, in mi. cowr- a=e pals s% d the bskrnoe on yt ur dwr or dkaWU j up t9 81290. In OR. e&ftmp pegs the grow d Ifxth of the bal• am or the eurwnt ndaMMm psynolt dw on your dote of tar. In Mr C PK aovww pop the rMfthul t pe nw It due os your dote of km. is TX, covoW pays the Westw of fYli o your hauled 0e4saMfal< bsbeae oo your date of uneraplo7- mant or ytwr minhmm ft"W tty payrrt K • • `lfte ntmtba d ntorKhA? brrrtefk payrnetMa wr91 not eaeeed 9 (or famiy km 12 [Lx wommobvYmt AL, AK. CI: L Ml. MN MO. NM. N(:. NV. AIL 9C i TX. 13 br it dk2b ft in AIL Co. CT. FL. KY. MA MO. M% NE, NH. team. MC. OK 8C. In & xA. NT, M i b Id- 1 0rr1 t 1b p70trrtiteaecovera/is AppYotim will be wC to ym ils' AdwtpGA30302 s, ?- VERIFICATION I, hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that DEBRA L. RICE owes the balance of $4,100.68 to CACV of Colorado, LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. MAY 3 1 2007 Dated: By: Authorized Representative r o P4 o v? t 7-71 c, r Aj v? --c SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00522 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND CACV OF COLORADO LLC VS RICE DEBRA L R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT RICE DEBRA L but was unable to locate Her in his bailiwick. He therefore returns the NOTICE COMPLAINT the within named DEFENDANT RICE DEBRA L 82 LINDA DRIVE #9 MECHANICSBURG, PA 17055 DEFENDANT MOVED, LEFT NO FORWARDING ADDRESS. NOT FOUND , as to Sheriff's Costs: Docketing 18.00 Service 9.00 NOT FOUND RETURN 5.00 Surcharge 10.00 So / answers: j Thomas Kline Sh ri of Cumberland County HARRISON, ROSS, BYCK 02/05/2009 Sworn and Subscribed to before me this day of A. D. er .._; 1, 4 c°^a