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09-0606
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. CIVIL ACTION Scranton PA 18504 Plaintiff VS. NO: (? _ ?(P Nil Te yws MICHAEL, E ZIMMERMAN 303 HARVEST LN : SHIPPENSBURG PA 17257 Defendant : 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 to Defend 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. CIVIL ACTION Scranton PA 18504 Plaintiff vs. MICHAEL E ZIMMERMAN : 303 HARVEST LN SHIPPENSBURG PA 17257 Defendant NO: v 9- & 0 ? &? q- T4141- COMPLAINT Plaintiff, Commonwealth Financial Systems, Inc, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Commonwealth Financial Systems, Inc, (hereinafter "Plaintiff") is a Pennsylvania corporation with a principal place of business located at 120 North Keyser Avenue Scranton, PA 18504. 2. The Defendant MICHAEL E ZIMMERMAN (hereinafter "Defendant") is an adult individual residing at 303 HARVEST LN SHIPPENSBURG PA 17257. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CITIBANK with the account number 5424180723788854. 5. The within account was sold by CITIBANK to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A.") 6. On or about September 4, 2007 Plaintiff was assigned all rights to certain credit card accounts from Unifund, including the account opened by Defendant with account number 5424180723788854. (See, Bill of Sale, Affidavit, and Assignment attached hereto as Exhibit "B.") 7. Use of the CITIBANK credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Copy of Cardmember Agreement, attached hereto and marked Exhibit "C.") Defendant used the CITIBANK credit card account number 5424180723788854, for purchases, cash advances and/or balance transfers. 9. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. 10. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 11. The account became delinquent on June 28, 2005. 12. The principal amount was $4,327.88 at the time it was received by Plaintiff. 13. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 32.24%. 14. The total amount due and owing the Plaintiff including interest, is $9,776.61. 15. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $9,776.61 plus costs of suit, reasonable attorneys' fees and any other relief as the Court deems just and appropriate. Edwin A. Abrahamse Assoc. Michael F. Ratchfo squire Heather K. Woo f, Esquire Attorney I.D. NV.. 86285/207805 1729 Pittston Avenue Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Commonwealth Financial Systems, Inc, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. r7 4. t 001-ow a e-) BILL OF SALE ASSIGNMNT AND ASSYT1VMON AGREEMENT • IES BILL OF SALE, ASSIGNMENT AND ASSUMPTEON AGREEMENT is dated as of August 26, 2005, between Citibank (South Dakota), National Association, a national banking association organized under the laws of the'Unitrd States;-located at 701 East 60th Street North, Sioux Falls, SD 57117 (the "Bank") and Unifund Portfolio A, IJ C, located at 10625 Techwoods Circle, Cincinnati, OH 45242 ("Buyer"). For value-received and subject to-the terns an?d,conditions,of the Purchase an B?k d Agreement dated August 26, 2005, between Buyer and the Rank (the "Agreement"), the Y -.transfer, sell, assign, conveY, grant, bargain, set over and deliver to Buyer, and to -Buyers successors and assigns, good and marketable title to the Accounts described in Section 1.2 of the kpceement, free and clear of all•,encumbrances, equity, lien, pledge, charge, claim, or security interest. 71bis Bill of Sale, Assignment and Assumption' Ag=menfis*executed without recourse and without representations or warranties including, without limitation, warranties at to collectibility. Citibank (South D Uniftind Portfolio A. LLC National A Cation tfstAS . 4RR A VP . By: %r By: (Signature) n Y''tt?txe ' WSW 9 54ewc t `? Name- Name: Title: ....! .. a• i , r- Unifund CCR Partners BnIO SSA--R . Partners with the terau of the Accounts d CCR Partners, for value received and in accordance Receivable Puirchase- Agrcernent by and among U eiv dated as'of August 31, 2007 (the "Agreement"), does hereby sterns, Financial Stand t ("Purchasez"), good and maAr-tablc.title, fret and clean of aII Sells assign, and transfer to purchaser all of its of - Accounts liens claims and encumbrances in and to the rrcoursc andhwithout rcprrsen lion or warranty as Appendix A to the Agrumcnt, w,th collechbiiity) or otherwise, except to the extent stated in the Agreement. Executed on August 31, 2007 UNUU14D CCR PARMRS By enthal noel Director, Saks and Marketing ONLY Cheart / PID 15 MMUND CCR PNME U yP. Ws Card Ap6e4ieni Oldh tncklda".. !ir q;9A* carridr, J , 3Spt,r1tract vaik a andsa? lar;ard: F and oar rider, pbrtanto Ec- , . ?, h r,' 'c a on n 1 > a k 4 A •, r ..?h l j For ca rpl o'r ott btl es ` a ls, i!ase,0ee the' related sec 66 in this Caro ?rcern nt, NANMONA S"' Pt h &#t tdtra. 4 Ay`A 5serrarG xarrier. All r . P !. palut? AQe carrit#e'?T B ftm 11A?R?r:rls she. ;. Pe.at fsaub"16!O_ art0 M_?lt, ? r OO" is ? cI '??rff s: AMriri "ve'i3e t' tiii yy trE ii'Atie ?rcaed A <I? :f'a i o rhk#?? .fe de PA on I t a , Y your credit i?a; or make % Mmienl Eb'us'that'b hat hanow. too 61: I?t fig?i?7?j: Lai tip 1b SIOW. ?n-ftlvhws ;i ?, . i' Rata, tees, 0 t4ft's. MY change: lye may chaaape the rates, fs, ahd,tdMw tit.y+vur,WUM at M9 time LOOM reason.' hIftt, asbiss,tnay: be,-based 00 b!prf nwm In— yob Eri9dh r oit; as yorue•fio` ynn tv. aaio€iiat, itti anipq t3;ti±Are6:+erg fhdts, ttie ntb r' ^brtia it1f dl wit I lit?ge, ;yoU..:Pe??9;adv?e ce?anda'rl?lttr ??•`' apt out in accordance t?itfit a€piplicable law. '"w". mow" mo, .O.w;'YbfF 4iiFii?lF?t liNRiW,wYw?:?r.!iiWiYYA,iii T.v. A'a4A.LAWKiMt? "4 K ar; t , }. P , r r ' " .p ? y x .f U } . I ?.Ey x - . }- 7 ? F ?Y*'??rU'iw ? 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J1?tt'j" SS?,.• , ?5..ftre' 'r i_.. , t co_!i11?Itttis J i ,?1d5 BE1i18td f}m?r??8 i jl! !°SS '0 f ?Y MD IMMa ?? t? t?tkttd ? tt, c r y dad tea a k1$y? .Fd for ti p? 'we ty ,the y yi y9 ,.•. i¢Ii Vil7UAbea mmm. } bu err The' l rlil'tf. ,3 ' Ti7?• n r;? must s a 4?r?il amovn?? day rt r?,ir or -SP star mA06 pq d3att tot t ?1€ no, J . 16 sfilsApr e? 0 Your ac wunt rnust.4" l user iiu lbdut SrrretJ .riot 10 Y ':ti } r a{ E,i Ir. Su `.. p 1 i? i3.tlue t ?Yt?li?ti4Y:? ?t . ?!' r?}PIA 1?!?DG. • ? iU }Qry,??p• 7y(??-- 6? 7fA 1 n, t I r ?' tli?'i/ 69 tl "' fQ t• 4? + ?t?y prOtii $? Kati aPP+. , , YWr' s y s Kau dctai; r xrq taOA "'O mom thattW h?ev? u? tSer,?ssyap #a# td crarbtli U: Your ink and i'As 0 t>$tel tester. make a.r!,! E The full wount of yaatc a tine 1a av ab > O Gary ?r lease or a paw fo ua E tab . { goods or services where !Ab t is ?cl.. Oft your , clfrrrrios;;vre cred(f ipral.cai<9d ti14.; ...? -?' 'tc tie adlranas t+tra ???. , 6a t7.s?t?: s i? `?R'tti ?3.89'Ya t r. irmt! ar ? 3?d „ " Mr r ArtStltCr i to: • a " t>FiRt de t 9 tr > tt .., ioh ?r'?",IT ' :. :.r. r 1 ? ^ x?, Mar#. ?i ? Ri ? ? ? ?'R377t ' , ¦ ? 6nati ,•'? ,tftc{!a adY.??ttu.hav Wi?t;tfS Or Oar t Credii l'?e.. . ' •t • ` oaexia s yarn cmd1t . iecdca ms; a4 ar?wef peutarntiano?.lrie i?#eri?'APR takes line you:mas s?I pay us, Sf your ngK..?' >r enact a} cttttia tint day of the hdiing period in.?vhic YOU bafam vra.RW eedtrCtl w ate 0. W-0. A9?N default we litarer iire} APR for ? p?rolwsefi ettrxtdr F.-124 Im oe YW ate . Parr mfr rtat A i tt, car ypaitrhet the Wmif i g t ? +4?eeta GafariOg et a pf qc r c04# tte? that youwith s for slX v a bl? parfoda, r f t;lilGh ? itfi?hidut b fvf5ltte ttrtaC cistu?g b* ces tErr drr sect m ttsa befatdP APR unfli paid baiice,' fe Cn jinirum tr?tiorrnt : in iali, ani`iv4lep y?iu oti?envisa. r ' ' }It I ;h• y r ,? iTt, 4?t , ,dSi.It,E, F `' , Yy ,' of,;APR?Incrq?s'es It ari:?PR tnccases,' periodic ba1a14 i?h`tpestfjc`rg?ed?our.miittinumlia,?meni,n?ay.r, astt?i JF ; ,an ,, .. a?r?R??},yj AFt+wyr u?+w[grf. rr .r v?. jJ614 1J ir.Y tpw xa }` r?t elve•y regafif Tor the balarrce tradstar or cash a varice, ddic Ffnance Charges B'etsed'On APRs inoiu=0,000 t cite c© IAB a bOar>ce ti?tsftiror' fettatnc!} Charge; Pe9lc finanix charges are ch atnouh fi q tlf t (e added to yatyrgaoca udE v?hen tivol ootivenlencie, GOr' lard a spa ' t p , you,,ttl "bat+ct ht3ler r ud? vemenc chef iht lua3bte,APA to t i?,?ai?nc, on your;accoulit site ?hb`Pbst Date is'no late vae rK 14 the;che?c?t i 'pe .nd1F ce^altaf eprafety lorpeai}faiarxo, standard pu?tha '` to?ti ' ' r f k o?•"ttbs?'Mnecti{AmntnaCgtfe[.. Itot#t'i 'gq;Q,rtal?pengdic?ancc:ch3rgt:weaddgirallftiie., ? . , i?t?rlee cfiaiges nortia 4,81 ch diyr Ge' t? r.?8 i p?°rfo e?lrals th ch balance forsa igce'' sd?bi'h?Sahiot`aacttdayhrlthe irr ail( 'hod ti a loft: fihiS tlaflSal c c? atin 'Perjpols hnanpe ` • fo' ach bataru:e, ttto'8eiant SUtijeei to HMO Giargp bn ` urges resiil?s iii da3 comp+ipndin ofiaanca bharges, ltie: 5iatement is the average of Ttie daily balances dUrlirg'dle k rr!n Periodic Firth ii.66rgos'$et}lii o' ccrue: periodic . bitUng'pefrod;'li )vb' nuh1pl--this figure for sash hatattce b" -t• the Wombat ai tlt}'s.in the 5fAing perlod and bylht;apolita fe manse charges tieglh to accrue bit a sflarpe from the dite e pcraodfi bnance chat?es tits added to the dally ba Itaer pnd cslnfinfl to ?Tr?Cnre until daily per lo (c rate' the iespft 7s th ?yy?neiitEflfi rrr8tlded t4 o r€eoiijtt, jChargf3t; trcCluHe tssessgd for the; ?afance, except for minor varkatlons caused. fiftcrmili:bz c?:trari;t 9 shbdva ces, tranaactio ? by?ratitldjng+;?, :. ' Tres other ro, iM"l k, Iniriiif#H'tlr}ance charge }Your can' h?inlt not Fine 1*Ciiarge: if the psrfodis rots tine ;G#tnipa WO , 10 " pDriodfo t ante chat?as on ptirchasrfs (i%cWO( j ; tild otherPrase be less fhan $0,5t}, Vre assess a mirtittiuin lantra"r(tiets? lfttt?apife?r 8nryotxP'cunoni'bill'?ngistatelnenr . FtNbNCEiCt3ARGE + $O.fiQ.1Ne add the arnoum'to any . f>?rou paid tlue f fevl Balance oil the last statiin6hl by th'e bil2nce.that is as'sess6d a finance charge, ?aymant due rtg,te on, that'atatetnent=and,you pay ycur Nan Transaction Fees Alance by The payment due date an yrour current statement. If you made a baiahcetransfer, you nay be urtablt to avoid Transacf a bton Fees and APBs: N you are adse reign transaction fee for alartice transft r a purchase made In n a a foreign perrodIt (Inanco charges on new purchases, as desekibed in eurr?ey or a c0h bduznce, the transaction lee emit cause the balance transfer offer. the ont{tie, ifiirlg. etnGnt of; v hlchithe transaction = Calculation:at Pg[lodic'?inancie Chaves: firstppfa??e'zcebdrynur.nam(nat APR, ., i _. Fe!' ?kfi bwan -e 'ti+ 6briuIllpy life daily balance by the m kv:+° r , gy?'pp' pp•Iltabina-flyA.tltibdIo,rate:IWe tlo this tot each day in the 7ransa?gioniF??eeh ipr a(ance 7ransferar You pbtalrita b?tl riff ' i Ada Sy (?0riodk tilts is 6 applicable APR' ° balautcel rags(r ilyau obtain iupd¢ throutah;a Bala c $ At sft> cho bt transfer. a baiattce tivlthrisit t}stnpl a cash 5 Abininp'ferlofl begins on the day afar the advance"corivi?iiei?C speck. We treat balatice-kaiters as St rrtedttOto ttiq'11its of the re><Ious bil[itFg Oddd and d#!r' fi 'e h?b'ss dttenvlse paovided in thfsAprocrnert. indudet tfreStatirmenflClosinq ?ate'ot itie current bdEng pedbtl. ForL.,c? halattce,fransier troe add an additional FINANCE r.jp gel fia(I>t'baia{tc;e; we take the bepinriing balance Cf? GE?.Gf Ot;tht amount of the balance transfer, but for each balance every!'? {irislydihd unpaid periodic finance n I' '° hstt ?r br?pdre than 575: cdtatges irofi, `VlotrS bNling pentads}; add any netrt tmarbes: et ' i brrira es ltgade`in a Form Cumdvt and any p pe chi a on?the previous day's ai ire ih a fot'elon currtoy tea add an tiatarice,'`sifblr :?ny??rttlita?or p r itcf+atain 1s5lieated r t t frliilRGE 611%- ai the btrrchisb'amounit day; andititks't9di'$dliistirtefrtr ?tlito iJ.S. doflai5: ;rt; a 63teft?e •ot'J?arar'; ? • ' ., `, l ' ?(Gi • We;ad' g.i?t?tpd-idlhe.datty'tialanoe asfalioivs: Vie add Cosh pd3rant:sa. You obtain a cash a pkhase;to•iht`a°pproprfate b'aiance as'of the Sale Dato tAb?in funds through an automated teuer tine hlyJ:corrir on the bit 'stiterneht. Vie add i balance transfer or cash enler?ce check, home banking, or t tlstit make a wire transfer' obtain a money advance to a riate balance as of, the Post {}ate on the statement. We aiId any transaction tees tot purchases, ordgi: trevekX's clReck tottery ticwC casino chip, or similar 30 1P i similar transaction. For eacb.coth j 5 ??L1r;,',.y r? Jr ? `tY I 4 ?. I' RJf ?• If-. 1 J ??'?} ,I at?hid: '• , mot' ?1 '? yd;y the , - r tai'{`?;Illhk J ? ft ? q. t air '; , vancein+e add'an'ad>3iiionai FliYANCE,CHAROE:43% at to any instruction's, a,glye 'The:zlfe?ks;mu?st,pot ?.e used. ? R ? :;1'+, ll he;am6unf •ot ihe•cash advan*;. put Rath than U. to pay ??1?airtoun? iri yeaf;ys;uridei;tliis. ? ?i{011?11 ? SI',? . ,1 threr?F#?s ' Agreement tfrat?yau??ev?,itihEti u's.;1?iE'?>A?r fy,tl?ese , F{ ?1, r" . check s gr' tgm?uchi,eaks that?ha" ubee id. , t ,y? ?i(Hjal4 it Fhe Vte a`dd a' 1 tog ,to tie statidatd prrclias;tilace , I?. , r ,. ^ ••'••- _•irp'.a.:t ll iryE, ' Tor:,ppppc?i:gNlirig:parib rnu a]t' by r.'i du :gale th a Wmoh Rm l,4+*,a< dc, r'' , .I.,. l1 ;', n.P? a•r ,wt ?.'7• o?erairon. ? ;U`i, , ' rll n iim Airtaut t'tUlf ;Mess (t Ahtbhn? vet fit t n e i 4 1 1 1 ?? •n'•F-y??$ t RcrFn"a?ng staCeiiait ;`his„fee w:tdi? your if oil k Ipsn t, tlrt.?n'a°foretgrG,ttcy,';o?ierh• a, , co ?l`t lan s< ( d'p' i ttd d y'$15°arF cash;a rrc ?Eiia'ie: t.abiaRb*; T?+t ffod?''aifilk r t 1 ' arrr?3up'tu'S?OUI?'on1ialari6es ofdbirp'ta'S25tt• A4aster ar o ird' Vl 'ne''ea? a viii rtwli 1 ? a?id'ffi3,9 onrtiatances`o($250'sntf7?tverl'' I ` a:.r(• ?. 4'? ?' • c3rd;rs.:?sap;'?aa tis,t3ianiol! K?,,; . M?alais`asr'loll,?us. ,• u eri j F aet the-Crd?N`l ire No, We',ad'dIa S3 (se thz sfandaiii f St iCa l?wnpl?A ??!hh ts'tti gn, cy gm!?G" '"riirhats bafence 3f,Xpur an?iin;tplac" :is )'u*w cretlit '"sign ppcedures:lheri`tn"et{e !? Cdr"?C?ren?ly,.rtse;,,' Iinia at aril Yimd dlanngl rife bffti?W,>i ifo?? tld xhis;frre & convey n " in e . V. offs trla?t? 0 .. 0o its K,arisac- ,F, hit f r isacuoiis? ue au torfze of„parrodre?fnance dt# es;'iees. on prone, p*."date aSu?h ate;sss er ?:w tesate , a ,9d,ofheficharres bu:inch f: t?°SO'he a'ccolnt baldrics . mate or. tide,goat:t?irkenl?mHaie;i.le'` ?; ' its to curregtcbKye?rsfbu •trxceeas.Ypuc: crrri. wa add; tie s, tee'rr?i(;ltie atotnit Via ?;ompfl With atica taA§,beloviyour`Gdd+t?fin's?ttae'enttie'bllilrrp._` procedu(s:lneifecisa1fenttytses'a?onver-. A 4 sign rate;i eel on'Its a 1Ecabie cgntrall nbce;sErr 'I period dale..U h"twee#s ellhr? ap ie it si{lec? ° oirt;tEie'nge yy an pa ' ptbala ft e Mils ee is of rates avai?bia in vrholesale:oliiwe,mari?ets g memt rsiiip to 'to'. 91 aiitl ?d p .; ( nn ti•refuifdabteuniess you rlotiy, us lp.cancel y6 r account may vary, (rani.lhr: rate it. receives, or tlterpoyeinment- mandated told fnwthin 30 days.ot the, t3r'adi?g os ,deii?rery dale ofi thb hilt[np„e ;ra riea>f'ress:canplicsviiti`•fa>>fu1 n;uiner?ny?' ' ;atatdinent qn rrhic rlt>r`,tee is b>Iled cortvefsto pracedurea 1lreaiti' ff'r +?? *"'a,?articiilat ??#eturn6d Payment Felt We O.Wa $39 fee tg the standard Batt; is,?equired by app[iC?b? la ?' a' ? F ' ucctiese•badance li,a;payrtieir#?check or:similarinetrriment is . Airieiican Eip:rd3s•sttalJ be Ufe;fi ` .?tettiatik,ratn . ? ??eti>nnoredar.is:retuifiiadb?ats9-A ca,rtriot be pivicessed. or ''??ated on the>?uslness p?iarlie;?a?'on'?rhRch i' j? dirt eutomailc'detalt is re umed,unpatd.' ale ass.s,thts fee ' the trarlseeiion is, proce. by Atinarlcaft 1:xpress, e • i toe' ikst tliri'e,yourtrhpck. P payitr nt is riot hnirtorad; `*:i+en N , If a'eash advance is made In a forelg ? na 'a ltr ncit d rs lrtiiio upon ,rep Sion. or ATIA of onnctf our a(filia?es, fife aft bal'U" into.' , tjett>nNl d ohueaibncb.Cheefrl?e? Iq!ejeiht a•$39 fee dtlfi U:S, dollalrs ir+, wrat(iji #erinai i "v?tf(rf? .. n'. ,' ant?ar+d?advattcdlce?lvriedectinetb?wnoraoorrve?ience "" _ ''''• '' °' ?'? ' , ?i e61: ?Nafiita?i ai??a hoof in e`clia<?cs t for aiutmple' cu ys -a ja 4 ter f4i s ? Ctgr , ; 'fe ' ' t)? `• sla 1d'ezied' x n. ;Sfrt a?thrrt=rp?, ar?et rate . (-"' , S ?nou fIat.thtt tllr>ck e,roaiduf; t?&nbe 8!1 S .i d11C? n1it'G(Cr R-111 ei r( 9IN" i?(3U?t41( YOU did Or rile OVEfRrrrllrlt;?llaTldatP.t] fete , * ' ,? r, Co ' pry 3Ait oar instructtari's$srtfnp?fhit cti ck bt If?`r • j ThO'driignxnrrezticy'conversfdn rate hie eclt3nltho ' t,?,tiitfiasartfosed ra;; 1I ?pppCabie prbpdsslr?:data for a•traitsafiotr differ from • `' topp ti rnr+i hfa a Gheck Fpe^ We add a'S?9 fee tfie imte-in'eUt on the We or Pgsl d' a our Wori y' 6pting ' . ,moo thdr-11N.W.V0 oe i f v}d itatLDr you cFegoast to stater ent.tar ghat faarrsaciion: E p paytfi!§t"olt d 6 , >rtcete oc 0^s?op t'ei? on if afranaap(rlsco; rrut;rled by alhlyd pair prbrtosuch ?i ?, X00 ' a'rarv ?lonce'chadc .: ; lie1al;PaD x SiotJz Falls;;: taiw'r`Uattvt>Ii'Til7f;iDr tr?(fU-6, lee ervii e_tt+imti an trartsaatianill?ii? a ptlogessediby asterCdril, sa, or htt b3iki `St ti:lltll`?t : ! y ?[ tl5t` !d C'd(t'i11'' fogd(i f( 'Me' lbreiQlhLur?3t6i yt'01?1?9i StOn rdtr3for w t, fti Otr th"! Me.. 197G}tiied?j ltW third :it a4a?aliiii oe> naa1 i ' Fach I tiilrnt it Atp$uitt'?ui~: Eadt Mon -Ou mu3?'pay atli?st t ii fife Mtntttum'Arrivnni Ous by the pa;?ment d4a dale. The sc lheck miiip ???ri'>na'itiri'it'wia'fssu'aiid used ordirip *y...•sa?+...m+gnww.nog4a,w+sa.wezrw+,+lr:rF'++r:emruwor•re.y.crnwra?x.r: w+-•+?e.ew.-nr.,•:• •,tea-.•.,•,,s.• •• . •.. ??. ... .r' '' , `- ? n 11 7. ti,i'• ??t i 1 T:I +.? a ?1i Nr i , 1 '?t,f•7 }? { ?J' 1 ri l?if14 ,`? i?? li II' ,ai,: i -_, IMh r .. i,. 54;: ;•I, At #p7 YI71•?L r' 14Al;vi ,- *jl' ,`101 ?,• '' ' , r . .,4 X40.2+`. I „ i3'1 r.• , { t'Jr isQWabe, ittb fESB s<r0U rt'Jl11 ttt r f Q. rfli?tlh?diDt7t11?f?E? LYE b???t14?t?1 Sr1y ' ret arceas6 y©urredT p? ur?' tits R uS n?: : :. , . ??;the w ?. t61,00 bie°on bplirw , ment it (t is less'thah .4 rMation to a. clidit ,. t . rise!* dio'st, ' , rt, r.,empnt ?yoUr:, D i&.1 ?bty`r? 'six?td';' eats ?r;.or DO, We #q 'tell"You fio dowrihe nearestotr Hv#veue i ?fnimin,, to ab n r eict eels the Ne?v 9latttel, kn phi Uiat1,#tre Pvft1rhim9unt ptte, vre inay Mont su;;tjock,t?q ? t?c?V„fake in ?ees added tb 9rour . , WN, ? %60`0?10. 'Of I'DIS ' dudr #tt?` 1?? sbr fl , at oun r i it}?tieatiftaxbf P,amertts?=W apply p'ments ;np crsrGs,ttr pod tuch lbrur,P?aoCes betcre ?+? ??iA'?las; Thai n?atts . soil i y?b.l ~5?±1tr ¢;?snik; rU rattt7at,iransactior?5,1? are sueot+4iheriak'l?s. , 1. ti P?t`Ihsyuattans"Pa?tnests are ?ratlitad,in aocordehte -or 101 tr ytt.` OTpayment instrr&rtb?1 An"tie??N)jt'd shat z64y r 4t> 1IU.S:4b4ars a1) ' . plot ?:;?lmitar:rlibtr?rr??t trr alttatlEta s; ebil ;ks ?Iratti?ii aaV bphftd{by a i rtk::, 'ray "4.'"`to rtttts?i}11rrl ad}epit kate of prtiai .. r5ai-,?payit15, ?+ a? 4{F ter lts??"?(?r 2 In e<eservie ri.ppttt trtettta;?na?o in,ftJrfti ;, . -oil epr` ' hog. ttktrnen ra Vrattunds o;t deposck o?id? ionm V11-youitimt. COO :o,ersa,uttb';conuar ptl? ahQ c?ddq; C i t 0 1J 5, dptia> a tftdr 1 1.0 WIN [1 ?wsts mcut ?i cb rig your li mitnt; or we,, ??u sdikikel3r#dr suti 01,604, 'ifil -e Ment. U- 10, , h R n e ? d t 1 Pay byoe?, : A* hie W. p You`: ,. ?I'atuesl;ir;agoti3! t!s : 'Aown.in 1r?Pfione secitpp o'i r, Qesii lip Ra pq etet$faerrt. i0pt reps 5entaflves'Are,t?ahl t ; Y©u ?et?0 under this -Agreement. If yo€r tad to pay tie #b' del;un6tlnf iPyott detia, use this optlonai ps?t, h111n1rrEUrh Amount Due'by its dile.ctafe; excebd.yaur credit perk ?it time. line; Ray.by c*kor shntlar Instrunie©t,thaiis not honomd' or tha! we Muat.mWm {teoattse it canhot.be ro ? P' a?r Cr?(lt?ie?t,r?i? ? • t; at'ia ra?Umt:d cur ia. d ?y fife for banicrupta W9 fot'mOaty ?CUt; i r e Ultt to: rertkt, i x by auiotr c tti* Wrap detaaM ?ot. T!',CWA to ent that you have-0 rh re_pPer>, ' is y Sul . J' ? _ or bttibl'? a o a 06 f iso tas if Otis 0A Ovid .. .:, Y.u4 fmmediaf t of th t#aitrdn?..i otl, aii d us ,+.. ?_„ tY. p s. re'alt.{tsjnn*t" r.: ecaGtt :to ;.:. ..'Y'. J... :..I?. .?.t :..I MY ?sRurtrtfiigritraUpnn the itarpa of try : secutl ittke , ?lft?er3t:ate:gf 0epa¢it, ate rmrray pss tha , . z de{ s it l -pad 0y ara?dunt YpO, . b g i'1f ?t !+ ?C lil , f lii 0? ,14 ?p I t „, iT Ike , ' r a iL+, q? G;? 4tFi { i i { 1 ? r t , t 1•? ?q jttr rr IT% t p,. a T i ? • t g6 ?b i }. . r •y Now ?fens ,pat . `ird.?1'br?rd#ibilitltitt3?' ,1 q•?•El lrrt?S Wl{T'tN? thirisuing'' atr aibi At arty ' coinpe p2.rimin of the and rt ?fttitr. 'you or. us, consistent ' 4111 fionar the,po+y@r AmeliGan 336 fJladi A`rblf tlon;,W7OtJ; a„ f1 4 r i?il _bAdM oPs aN dete urt lrhtee.#ha ion is d o6ii ard. An lttat lrbfttiblt?li ke pa} titlny an .{ T' r + ?+: g g ' ?rb'erob ti# the f61Iot?Angarb?trefionl :etw. to ft elna aged es on rr l ,and toniy in respect of t6e-Ciaims in a r?1€trati'a?nd s ; ' tiles ?itd?proce6tires for 1rti?ttidg5arid rb ?afC ,t1ot hate airy bear€np.on ih• American-Arbitrat€onMidcfation'or ifre rights aitd obiipeti6hs,o1 any.otfier, person. or'orrthe rritit An arblEcatwn req#ifitj t?,wou resotut o(eny othor,oisputii, , ,:. ,p?J ° y;, ! , ?dine pays? 1Nliaeu8r ?lies #he,arbitrattongays the Initial,bling ?'i'r?? of Courk?!o???':b ?i; r {ee'tts??b1t twea il. %ou'fhi' o a. sa ; Me or b : ?y a' +' 'fE@:41Td1Net t! er the a unless air et a; ii 8; 1 of. he. arbi&atlon ism t ?itfrtb;'?o `?iR s b` l? ttl??sl ll :yai l avo'p4d the in if ;!J ltlnp tie sut6-you prevaFl, v+a will riff the afiittatto s am#t;.f lei 4 F i efe 5 ,, w„ re ?9? ! ??'' mburst v a or iltat t e f;t+lt i '" h ring w. pay tyng:an afbiirattba"by ontae[lnq ?itm:: an , febs of th-titbitrator aod:aitilJrall n,ilrm'for lFie sir`s? d : 0f'th3f hea nff Ail iothcr ?lies tiVifllbe ailocpled as prgVfdetl;t?y, Vation Association the.?tles of:tfie arbilrAWg' arm aitdappfioable law. Hotrever, . i+;e vrlN advarrt:e or reltirburse.yourfeeS.fttlit arbltralt(tn.flrm Avenue., Floor 10 ;'?t}DY7-46b5 nr aibcpator,det?rminesihor ig r11$01i My. i 'radr erg us to fIb so, ttt If bu,ask lli; r tv atietesrhti?e tiiere:€s g 'd `atialtbrum,' rbaoti for0 1n9 so. Each:partiltirAlbeur.the eicpeit§o of lhat' r , t Pa alaopffie" 'ezpetts, anti tv nessr;s, anti other eXpt Pees, 1ph:party+ praatis;tiul a partyrtay recover tJ`a55' r' . ?agartiless vr?? 64 ' any dt?elftei i rise"s from onottitr gaily H the" arbitrator, r.arb+traW 171 tprum Gem applylrigapplfeable1atu,Sddttermines, rau or we.ma ask an appropr€aie coVd to . , '. y' Wh6 cantieo, party? Claims must be brought in ?tits name tatioil:ai Ctaims;,or:to.fty the litigtloYrdfCtaitns of an'uidF;Tldual•person or entity and'rtust prncet d on tra#ton+ every tf such Glsltps;are gatt.of here d. irtdivdd;ll {Port-class, non-rep rasentatIva) finis. The bas beQlm,or a flnaJ 1tT¢gttient t Been enteered. arbitrtor v,iil I* a+v=rd reties for or against angOne %,040 is ty tads to :exerois@ 6 e4 lif& at shy th particular . not a`party If you•or vie require arbitration e# a Claim, neither snnec#1 = v??tfrtarly ?a It ar Glbirtls a# part you; t.e, hot any olhor person may pursue the Clain? in fte arbttrct3on at a lat?IF ir'orin c'onnecti?n art ltrtionas,a class action; private attorney oeheral-atd€on or i r?Claams.' othtbr reptesentatfve action, nor may such Claim, be pursued lulu all-. ?faw OW'.. pll?adirR in t rbitratfiA??, on,:your or our behalf in any litigation in any court. Claims, firaLx bi raior v;lilWrrisol??e.Cletrtrs. i t€e arpi?ta>;ar Including aogned Claims, of No or more persons may not a tavr,?er v++ith at. least-ten years ft rieooe'or a be iolned.or-conOlldat? In the safe arbitration. Hot-lever, liter judge, selbeltd In accordance r?Ohli.tile:: 1?5 applicants, co-applicants, authorized users on a single tion.flrrd. Tile: arbitration MOW foev.;?rucadures;. accourt4ndlpr related accounts; or corporate affiliates are the arbitration firm in -je-C ort 1h11dat6'1 he here'consldered as one person. ffed iirtl es the prOretlures #-t8?!3Ule i 114tbeb i an- rtiittat?i award fii#a17JThe brbitraiors award : , cell?, Qhl rQeir "1' M T ?! it il?ralOndr. indirtp,on thedsarties ur9w ?a+parfyys,oisppews li 1 b ,, "'rtg`°,,aiti' firm 11ilieeq da notk.a Rf tepsib;G?blegt'ctr5t4jriet a coutitlt o or'b'" .tile awer?r?ltie ep?a1 mustrequept k-hew arbitration before a t:o t nf"heufralarbitra m designated by, the.sarne tif€deritlatdiifq`r? ±:agtir#:If;re ira i:to` fo 4 ?;`+s; ai r6a#iott.fu tl' ill paid will consider all factual and legal to arhFtiamr:tytaiappty, app caple sui alt =lath ' isstres.ariew ftiiln v Me sense rules that Apply to a proceeding th the Fi?PI and1ofiliicableetatutes.. of firiii 3; airrs of ! .` rirzed•;at law and w?flll 'a- III using a se ?a{bf'traitl , grid make decisions based on the p! w?A ? @ , l.., vote ,t the, p hft,Costs 4x01 be allacafed In thb We way. adiat't0:es 1. alt,..`{ l!, r n.,gq!ore 8Sln ple a#bllralor, o y m ar@'W Q. Qtr, i Ytiul b R-a . a n l'?S' is acid b€ndr on the allies affe , P,a_ .., . ??9 p ?. Q ,.? -' blteen s has passe flnai artd bindfit'g award is subJeGt ; ?atvard ?h•v+rrdn?"?nd! ii requested !>?syor:us,;:, TM1 I " r I? ¢??F ilk , ? I s t ? 7 b.: Tt a J I t?"?t , rr, c ? 1 y, i 1 a. I t t I i .t 40. e? o.a 11? h 4 1 ? I t?• ,??? ? ? ,may 1 ??.?::jj : r?lr ? `i i'3fiKYk Sid , Y 1, s 1^ •. ray :y?"ra1 ? . t r V ?... yt' •. ' d Ci,•?, ... ;„fie : • r' -I, ANa tit :l Pal .ti .'. a °Q C7 c (y?.? W S 7 { c n 4? SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00606 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND COMMONWEALTH FINANCIAL SYSTEMS VS ZIMMERMAN MICHAEL E 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 ZIMMERMAN MICHAEL E but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE NOT FOUND , as to the within named DEFENDANT 303 HARVEST LN ZIMMERMAN MICHAEL E SHIPPENSBURG, PA 17257 PER CURRENT RESIDENT, DEFENDANT MOVED OUT AT LEAST 2 WEEKS AGO. PER POST OFFICE, MAIL IS STILL DELIVERED THERE. NO OTHER INFO. Sheriff's Costs: Docketing 18.00 Service 18.00 Affidavit .00 Surcharge 10.00 Not Found 5.00 51.00 So answers- R. Thomas Kline Sheriff of Cumberland County EDWIN ABRAHAMSEN 02/10/2009 Sworn and Subscribed to before me this day of A. D. Cj c ' N ? r ,J <° U Commonwealth Financial Systems, Inc 120 N. Keyser Ave. Scranton PA 18504 Plaintiff VS. In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Division NO: 09-606-CIVIL TERM MICHAEL E ZIMMERMAN 136 S Gettle SHIPPENSBURG PA 17257 Defendant Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, Edwin A. Abraham Lawyer ID # 86285 'Associates, P.C. day of 20 M 0 OF T-#c "hO GAR Y 2009 APR 22 14 b t8 Cl ( fr +10.00 A A h1TrY Ca 36-190 Sheriffs Office of Cumberland County R Thomas Kline (111*1tr at clim"'r440 Edward L Schorpp Sheriff Solicitor Ronny R Anderson Jody S Smith Chief Deputy OFFCIE T"E SHERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 04/29/2009 02:41 PM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Michael E. Zimmerman, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Michael E. Zimmerman. As per the neighbors Pringle and Richardson, 1316 S. Gettle Shippensburg, Cumberland County, Pennsylvania 17257 has been vacant since February 2009. An exact address is not available. SHERIFF COST: $51.00 April 30, 2009 SO ANSWERS R THOMAS KLINIE, SHERIFF 2009-606 Commonwealth Financial Services VS Michael E. Zimmerman c-n r- r, ra -1 -r_ .1 ti. r7? rJ ) n Commonwealth Financial Systems, Inc 120 N. Keyser Ave. In the Court of Common Pleas of Scranton PA 18504 Cumberland County, Pennsylvania Plaintiff Civil Division vs. NO: 09-606-CIVIL TERM MICHAEL E ZIMMERMAN 4 Holly Ct SHIPPENSBURG PA 17257 Esquire & Associates, P.C. Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, Michael F. P Edwin A. Al Lawyer ID # Swtfrn and Defendant before me on this jq?-day of 20 A A J?Nr,• No?a?y G'?P? Mai ?', P ?PN?ONmss\a Q<<es SC My Gom +r': f_ J5. f ?. 4J,i f ??? ???? ?. }, ? ?o. oa'?d- fl-???l ? 3gii? ?? a?sz7? Sheriffs Office of Cumberland County R Thomas Kline titr of C irrtabrr? Edward L Schorpp SheriffSolicitor Ronny R Anderson Jody S Smith Chief Deputy orr'cE c F -"` -EFVFF Civil Process Sergeant Commonwealth Financial Services vs. Michael E. Zimmerman Case Number 2009-606 SHERIFF'S RETURN OF SERVICE 06/22/2009 R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant to wit: Michael E. Zimmerman, 4 Holly Court, Shippensburg, Cumberland County, Pennsylvania but was unable to locate him in his bailiwick. He therefore returns the within Complaint as not found as to the defendant, Michael E. Zimmerman. Neighbor advises that the defendant moved to Chambersburg, Franklin County, an exact address is not known. SHERIFF COST: $33.00 SO AN RS, C June 22, 2009 KLINE, SHERIFF O C.1; Cj f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. Scranton PA 18504 Plaintiff vs. MICHAEL E ZIMMERMAN 303 HARVEST LN SHIPPENSBURG PA 17257 : CIVIL ACTION O C ? - c 3 e? m _ r vi ui < NO: (A (OW aw'%t Ttei''we Defendant : 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 to Defend 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, 00-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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 cop -ilk I here V-, , a CZ4 r? # 0 s MW the IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Commonwealth Financial Systems, Inc 120 N. Keyser Ave. CIVIL ACTION Scranton PA 18504 Plaintiff vs. MICHAEL E ZIMMERMAN NO: 303 HARVEST LN SHIPPENSBURG PA 17257 Defendant COMPLAINT Plaintiff, Commonwealth Financial Systems, Inc, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: I . Plaintiff, Commonwealth Financial Systems, Inc, (hereinafter "Plaintiff') is a Pennsylvania corporation with a principal place of business located at 120 North Keyser Avenue Scranton, PA 18504. 2. The Defendant MICHAEL E ZIMMERMAN (hereinafter "Defendant") is an adult individual residing at 303 HARVEST LN SHIPPENSBURG PA 17257. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CITIBANK with the account number 5424180723788854- 5. The within account was sold by CITIBANK to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (Bee Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A."} 6. On or about September 4, 2007 Plaintiff was assigned all rights to certain credit card accounts from Uni fund, including the account opened by Defendant with account number 5424180723788854. (See, Bill of Sale, Affidavit, and Assignment attached hereto as Exhibit "B.") 7. Use of the CITIBANK credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Copy of Cardmember Agreement, attached hereto and marked Exhibit "C.") 8. Defendant used the CITIBANK credit card account number 5424180723788854, for purchases, cash advances and/or balance transfers. 9. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. 10. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 11. The account became delinquent on June 28, 2005. 12. The principal amount was $4,327.88 at the time it was received by Plaintiff. 13. Pursuant to the account agreement, any unpaid balance accrues interest at the rate ! of 32.24%. 14. The total amount due and owing the Plaintiff including interest, is $9,776.61. 15. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $9,776.61 plus costs of suit, reasonable attorneys' fees and any other relief as the Court deems just and appropriate. Edwin A. Abrahamse Assoc. Michael F. Ratchfo squire Heather K. Woo W, :Esquire Attorney I.D. N : 86285/207805 1729 Pittston Avenue Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Commonwealth Financial Systems, Inc, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4944. ?,°f -OCx3 c? U ' - _ _ ..,?r,.,,,ti,ro,,rr a NT) ASSUMP'ITOId AGREEMENT .. Tim Bu-L OP SALE, ASSIGNMENT AND ASSUMPTION AGRE 'KERr is dated as of August 26, 2005. between Citibank (South Dakota), National Association, a national banking M Street association organized under the laws of the•Unitcd Sta es;.1v-aced , at 101 East located at 6 10625 Techwoods, .•SiouxFalls,SD 57 117 (the "Bank") and Unifund Portfolio er" Circle, Cincinnati. OH 45242 ("BuY )• For valut- received and subject th-thc tzrms an of the Purchase and Sale Agreement t 26; 2005, between Buyer and the Bank (the "Agreement"), the Bank does hereby dated Auger -.transfer, sell, assign -Convey, grant, bargain, set over and deliver to Buyer, and to -Buyer's successors and assigns, good and marketable title to the AL-counts described i ti .2 of the and cleat of afl.,encumbrances. equity. Lien, O ledge, charge, 1ai or oty . ,etzr=mcnt, free interest- This Bill of Sale, Assignment and Assumgtiorr A&=Wm •is'exeeuted without recourse and without representations or warranties including. without limitatian, warranties as to collectibility. Unibibd Portfolio A. LLC Citibank (South D National A an t As , tHtR K VP . By: By: \ T trance (Signatrue) px OOD f?I '?? 54Cwc t' `J NSTIrC' Name: l IU.trt?e?;?, Title: 1 f? ,`? [[CC99DD Urufund CCR partners BTI.L__ F SA1 E %vith the mu of t- arhicrs, for value received and in accordanCCR Parlnerseard C tntmoncwealth ' Urgund CCR P anion Urufzul chard Agreement by and 8 does hereby "Agreement"), 1Receivablc P hasct"), dated as of August 31, 2007 (the F'u,ancia! Systems (vim hasct all of its good and ma.rkG.table. title, free and clean of all self, a?gn, and transfer to Pure is listed in the Account Schedule attached and encumbrances in and to the. A, liens, cla.i.ms ment, ??out rerourse and vnnthout representation or warranty of as Appendix A to the Agrce ted . the Agreement. 0uectli wty, or otherwise, except to the cxte. nt sta in Ucuted on AuBLut 31, 2007 Up CCR PAS 3 sales and Marketing . j?jrGCtO'r? . • 16 Ut3ff(JA[D Ct7[ PAx`f tZFRS ' o -r11:?,oa u?? or?,v _ coxes C1D l ' Clxnc l U. IS. Atib 'A.' 71 fs g2A 4 skip-ant, WhWh yopu .§ •'r twIcarriei•, ;- ,n yaiu.?t t?.vs:a?4[i;?o???tts.tyw.41y0.ur.Car?:- . _ ::•, `a, For corn± ; ` `rF7aaiioll ebb a?SYj?y''fyf/{p"dSe ¢Pe tKE ? • ' retied secttis in.tMs Card ?4?mEnt, . RA'CEfi==-1NAIQC CAAIGS ?' Pontt?f?e-W446 . gar ?? AOC i'ftk .. ea amiag pa IMF, , .??' r? 1 -??tFyo??aq lb ra?i?i+1?t ,• ' ?'?etlE?S?O'dr, gtGeed `• or makes°to`itt'thaf5s trot hartore?4. votr? aredte IiA: . % i; . f. .y , Rites, yen .so. tt3cmr miy rhinge: We n*chan,0e the rakes. fees; ei l.ttmts ci.Ybq 6046t et "Y qme 40 MY reason: ntkse+ieasgiistrrBy- -bbtaW oatia affoa'in..• , IMF- ttil ht h bi f } t?nU9i ?? . tfi•osf??? . ' U.- T? ? . t ; ec??dv?e???nd a op out in scmilur" tvSlh sppricable taw. , . . ' l:r+' .+,lsrw•.'!s ;y '?S,••.x?S•,,~ .. 'f !•'i'Y ._.+• r?? ,r ':•I. 'T1 a, fl,?t ?'f' 'r•: r. • 1• iU a`;=;KSjl i"!i ? ••:,Vd.+t:' s •' .• :`i•r}"a • .•.i:;.'°`3` • L};'i?.,•' :o•- 'i, :•. Chu* At. ;? y???{i. ' ..p ?• f ? '???f,,,, • 11.x'- •, ,'t ???p, • ,."? ;;^K. a ?. ` ? ?,:. 'i7 ; iu}d otn- Git fk (Soy3ti daltE a ;, .A4 the b er of Your • ?r' .? Pie :Y.i??!,r'?, ?' .if.?Q? the s ?... ??ilh .? :baps;,, •',•; 's ••?: ::... ••.H rt,r`•c?;',1e!,?:t?.';'tV?':, c ,-??.,,. .•r_+?•`1:;r4ry??( Z?''•??j,;.=? '+:-. c:?, !I.?F• .i ••7.7 •.. _ f?r r 'n?iei.'? x,?•, . mast A u 'tbV61H. iriovnts dik ?n , ?ft?rle i? QE!19 G V • tQ=.. '?•-,1p??Y.*• irt???,tY:i a+ $be I fflli ?soe,stdh Y!= add taG.3 (Xt rz „W'Q5Or: UR?n. .,tt: a.7 NQT ees dllifKe VC?rS!' ?• /`•. ?,i. ?=?7'•. .?-, :r For ;pittEiidwue iisE{ P : ?1 ' < ` _ -;: '? ? ?" ,? ? : ' • iff Ine ;?a?iryrl`,r?t?•sDu3?cis day{?.????oY ?iTelT+??7,I UNIT :p??Y?''? ?If7tlR h. .,' •_ .,.?p•. io fhtSA@Ieenteitt Y4w acctwnt mus4dh?i.'bWuOVbf tawrut `Irlimit 'te; itttj+ •: ; `' ` ` t(sil4i'.' t..t•r r t,.:.y, •iTrT.,, rz:sLt,`'?pl • Sl! ?H ar1t1 R. 1[di0rni d? p:. a t Or 1 ;:f•.(i r.?t... r c., f all T J rr? :',' ?ttgtlYl? v+tnir :' '`r 17. MRV'dtet'?m??' .y e?accaini?- ar>rt?irE[?fittiatyrait?` °us' c>it,sis'you'??8: :.. •.'r'; :: :,: Rmti?i r T " Gre t' We Your WN "wk. done"'ate on A>? ltd i?rtec a to7a drl gti. :fie . j!4L 'Ills NO smmdor yoariredd)if4;ts'a?Jetlat?1e 10 tw or-join oryori f dd a?aym? W Vm' goods orsarr6xs where ft tatdls:rwjtoned. ptyoui ,;1(1 ,s}dir _, w,' :;..:•',: credo .?, ?:n? 4 t `? Aso itie _ ; :,, q4' adirsnods:,We . _ ' ' ^rip=tio ox, gyp. 2 . tdt t$d iD` ` ., , or. m ywr ..,.f?ttkn:?oilexsedeiEdt r .; r: a: 71 .• .. , . , ::. undef eny t?td' ' thet yoq liav? wi?i gifts, cft othet • ' - ?, ?: . r "' indiaNaE3 putairiairoe. befdtid APR ' ' cr?? atitxaeaf The •iiie- #? aicei?s?(airi txledd •. ? ? " : ? •:. '' ' rat ym.mi4 ski pay crs.14 yow moal?l t? a> egect as d omit tfrst dey of ttm bmrq period lft.whW ypn a .0 1YD ,the Qt?dit X13' ner! det?rlt: tlVa Ibexes the An for t?e¢ pEtitolkrseh endldr, i . } . `F a : •,. + tta( wart:o1rf..Yoat moyt p r4ied i1Ee tertitr(.f oi; p?iOdS. 1:?.?.. p 'ht ',y1(_jr00rcr d?irtl •:s :, i ilirs tot su ob ecviMO rrttp ,•- fte`nufr? -1W- tt?e etaldt k?Arun?l' td' •+-' •.' '' ?•?.?iEi.bl ?rjs?teiatat' ?.._. b Y!`•. _•, f,.=r,%.•:;y;r•,'.',1'. ?:. 8rRG1 ': 1n ML unksgiGVa tep you ,,?': :1.. • ?, Fed". '?:. ,i,'. .. ?? S'4: ' - '1`ik•:V':?I{. 'ili?`?n?".i?. v-:?+j.}F r1?., .,.l l}, ?.? ,+' , '..?'?'?I!p'..'i .r?i'.:1•?: ??'i•r•I[iL..' '?. ? '?' .. .., 1t IP3l;tni;fea:ei lJ;anAPRjncreasesi;periodtc. :; tiafa> e "antl our rritn[murn.00111.1 day., a; Wiwi i M'41t; inance:.Ciiarges'Base>d't?n APR's in* Ile,?laatrc,Che?es''Part9dc,finance charges. are..., 't•.i ? 1 ... ?:? :..t''w:::1 ?w .:w 5F'e,irnii?i Fifir:n:tva. • f: ' . '?..? fa116S._jiRF ,ws y«¦w 17 v'.wrr.YP'R 1'= ,r?'I ?' IE"[ ndaFd[ u(ctta yS' : ?i? ?* r<... si..? 17' ,tUlal,l 4f ::• •W .re+. 12 cis aF o•;tePb'pl4d einfs Fie'. a?y `fuiencoc roes. ebch la Ee`foi'eai?tgayyntti '' .I'. ; pettq?i'TF1ts:3?Of'c'icstinp pdk linncc' • Ea:escF tar restyles ui loll comp +3slnding'o flnanca ofi'arfles. Ifie-Mian 6 tredtAt; Fin anre•wip6>si4:1ri4o Atcrue: Permdia • b"', ! nattcedtarge6 tieplh to 'accrue, CAT w rani the dttf the.MM ikUM io Stia dally i:e fe Ib aocvup prilil db # Peru _ itt 110 't ?d„t???acdbou lCharpts Inducts ;dp.lydfigters. h'adyailceS; tiartatfio?i .: r :?'duir"?ni'iitnce cliaig? Ybt,.san' 1 lc nte. bn.p i ases'(rxclddinp; ;u$ xir;ttttlers?} ih8t'a?Pea,? $n'you ct,itont biri> eit? w Ftltft Ct` ;yoijaid teat Balance oil;the Est ita3ein8nl bv'Ihs 6fknce't ; gmad due Ite on toots lement and you pay your New I'atznce dY the payment due date on y mi cu: rent sWement. T?ntactl I you made a baf.nce'transfer, you rUy bd Ambit to avoid Tr"MI lefrodlc Inane Chars on new purchases: as described in ct cy. he bib= transfer cller. M; e .iili'rr?i. fiea.tit ?erlo0tr: Fbiani? Cha-r?ee:. ' '•:'firs': dat:fl n e:'aiiai Vhipijr tfiifid ly:bal:itrce by the y: ?+ dI1:°(a1E for Aacfi day in the ' Zvi.46:this idte:ls Itia'aj*116ble APR ' id rid7t „Iia?`tsferv gy .3f .' r g pte'riod be?iits:oii'lfie day'atterthe a : ifryleme(Jt/G>o'$inq 16 6f the previous bil[litg pPnod and =dtlhke itttltdES tlrri S'3aternentlClosinq Date'of Itie cutTenl bitting perSbd. . - •1 rnt?rl.ifie Hathi'bi, znce' we take the begitirilno balance, W t;'.or=dkib edtancp:to the sttune=tae n is of tljti same Bate'tlre trans Bririiis. h basahGa iliir P.Qs? bate Tt11h1 ' u ?`•• &1 fixl Iie b iiaiice traGStEf dr i Stl aQtignt e,' T a a'bsei? tt?taltii or•; ?s1 that we CID :' riveiil srlk,eli iota spadGcsluodtit 1 'T ? rb a l i G" t ntt ' is y. t dgve e rl r : l l. e ast';p8[e' is h date` K8"teseF? ilie :.? ; `? ? : .icfa?ancetChal>;?•iae?do tiprall?l'???• QnLe eliaFges ioi;each'.bitari x lor.ach.dbq : , ce: thi-Mlirlce SuD!eei to Finance Cliiiryp bn . thq avenge 01 ttie difly+ balant:es durlirg't>!b tfds figure for eich:bafFnx ltipt u m i' y; u yo tithin pTlp ple th rl d W ! Iht a i i a g pg : p e a n g tie"theaesuUisttieperiodicimartcei?iait?es? i ? i i u i ' •e c t•i is d " i ?'•. se ana, r ep m rat a a o nor v a of : : . iarCi wow If The periodic ralg tifetitM;dtaj a '..be Its; ttsaln SO.;>iF, girt sews i iniNrra?fn GEfbt'?Oa?0.1Ne•add the arftoiurito=orig. . l issi kiid a finance charge: Transaction Files :s and APRsa if you are assesstd a UaasatWn e:trinsler, a purchase made to i foreign ; a fi,•!8vance, the lransaelionit;At+na'Cause ' g stdtt nrpnt pA.tVhleh theiransaEtion c ?,?alaRCe 7tarssfeid:'7fAat pEtalttt3 ? ' '. ' '!you obtain tti!rds tliron alaarr±u r, e b a dit ' 1 ; ?• 4 cash alanc r, a 0 it fi3trsl * '6'@ check We beat baldra 4afisaeas as " ' d atfrorwbi provided in thfs Aproement b; ranster we add an add" FINANCE dl,this alttounl of the batarice intnsirr but f br ndre.than 675- (ro?i,?rf?ua dl?ing paritv3?l,.'hddlm'Y:neid)?a'r?es; ?:p+hiesade•In a fFcreipri Cu»>a O,?f rpe chirQe dlf ittlt- revlous b?y`s tiidb ifi' a toieiq cutrtafgr we add an or pTWO 0'as'dl trait . : ', C t llt{iGE ul'3Wat the Burr se'amao:d , ` ?iiid efft Otlt 6:iladCe Is Heated ; :: 3 ia"to U.S. doPars: ' td1the.daltY:dal0ci as'falibivs: We add 1 " ul+ 'Gash Advattit#a: You Aorta a cash ": " , . pbtElri titxtds thrmh an auitrrrk-ted feller a phase tA-tyr¢appfaprtale balance es of the Sete Otto M cNzk hAnte faanldnp, of on.the m ft Vie add i bala,icg transtei Ur cash ? make i wire transter, obtain a money adaitoe to d!e aapppropMlp balance as o) the Post Date on a&i: p totkry ticlret, casino chip, or similar the statemt?+t.1RtE add any transaction fees for pumhms, slmita: transacdon. Got eVA caih s ;a:R'. dLi?"1' +?I iSa' -1 'i" 51J .P.et =.' .. ?¢vanc6 vre ado an'additbnal F1ti/WCE-CttARGE-otz3%of to any-InsirucHoakwe, Ttla?e _Ws t;muStpat.lss psr?. ? ?{ ! ?j ire:arnourd'at tfie•tash bdvaire:: Gut`?iot,l?ss tt?an'S5. ethi!}Tet w oe'y 4 W 1k'! Y ' t': ??t r1? rM1 yet r- Agrlnt![saf; . i?%e,, ?rrils?,tiYits. 4? ' 3 ?1 ?j a; i= t sy? 7?'?, ? . . ` =•?Mi;, ?N??{Iftf:?!;YY to a ?'.i•' '?iL. .i '1.:: ?< I?te 0:,. t ,a "fe ' ;ihe + .*? ' lD , , e•• t iS ' in '••r.??? ..,r..• , ;i,? s tR; ;t 'r_ a• ?, •' • 6i,?'N %;', _ C Iftlrt [_ . o ' fir ?1• .i+t' 'f I:j f:rq:. ?.' C •:P'. ? ,?_+rs ?• t: y.n;;-''. MI 'tr - V:?tesStR'JN?II7 a,fItrL]I1Q • :t. :`h•'• Ij:i •'V4'CSIdi /?7,-'i + pp? n1 ^.:R ty+1 ?du>? ri tiQn: rn.a t0 .. jteixy,'•,ai?iet brm•o n'g scat . ,,' j"fii€s feel ac±?your tl ?o>i inakg; tn r'txo" p f?'`ais?0f:the'?rt?>i?'aa'!e.'ft"is'?15'a n cash;alt?aip ?'r M-Od-af a biaiicti;orJ4T, "lb;Sll)i)29'onUatari?sofl'06lo grid 'S250. Alast.afd, , ' -' czrdn:;usyl; 'ertsllia aiii411?rttp; S;,QUa?is W@ ivs: 9.,on`datances'pf $250 aidTQv„„ec ei wi tt6- C, • ; • '. ". I?t?stdjato>`iplies illts ll o u • nc¢'n? five; 401 lie irk; ?rle.a dla'S39 ieelo ttiz stai2Oaiii. .---_, 4 J _? r " } s„'.,•• ::; r, Cee ?:YQs? ur,cfrdtf sips r;rsttieri'h?eiie !7?1l_1 c npseb'al irca1f,Ya9?' D11nt "?.vb 1 rchao , ii?.?Me;bANnpr 'tlrrfge'e4e, n • .,?a' ?p I?oFfo?tls flansac+':.' i. link 101 ,11 WWI rnsaCligfis`tvgstil+or?ie'at;erro?ictifinac>Ge't9?si s: :;A??ryyosxsing tt2ieSijhr st s 7avsale N Itla?iea ?r. t,gtraq...(t ?alie$'?e:'.?•? i. :? .. ' al,oi4 char yyoou iricu? eta our baiarrce ,. - aPr 1si . iL?rj?;?+ta,ada t? rI;ttitcFinC .,,. !i?pfis i?"?s fo}n'cri'rre :(ali?.bet loylciedit;ilne;•: t ;e'eno.o?iiu'G>iliirg:• ptoc duresa M- N.tlytt?as b`onuer- ° •. :;• . :. .,,,..,+,i • • • slon•rater?r.?ecl ah•Itsappl(eiib>`:;i?ntc?t.?iibcesirrg Wmthe rare; .iiiFal%tdefiti6tsfi Fea':Vd?. d an `a ` Tr.blepn4ual' dale.-Si,cti r?te+s either a raie;n slecM AAr 1 ;t. ?' •Y; ;F of rM1 a~106tfe In vfiolesafe iieiij ir+lat ei ?? lr>cIr ' ^ ' . tt19 n rase -This lee is rsfii '•tae to' t>alairce: NOW p pia 'pirtc . may vary Frbrii tthi rata ft. revs )ves; gist "I ."mrnent- ; non?refurSdable unlesS'yDiiriotlty?us to.caaiai yori? account, ndiited:tale. • - ' ••' ? • ' +fihG Ofjf %date,ot,lhe.blfifhg ?,it•i.`?1r} s¢'' i+};-i dai50lth8 A ,30 ) m? n: ,.. - + •. Arneritanres.cQmpf.'resviih• t ,• oil !' ; i?ieine? t on rrt?,'cti:t p.,(e%'is' ,. ,, " cbii+ie s tuOcepiue :tix" m et i T" ??i 51 .. tarn 0 Paj?in$ttt I VVe iadd:a; O3.tae to "*"40 . :,.':'r ie'ls,?lr d; a4DtiG@ N-1j,0i 'w i:bala l.a;p?Yrrir rt Ck or s;m ...?lr nimenf is.. e he t? a frk rare • :. ':•'_' ' ?t .,.Pr: fs retury>zd; cau;e it raanot be pntcessed, or stdectW on lhe, btr3)rK%q da •plaofio ih6' iiYt n rhrclr - '': tofrr811c'de1iil is'raluthed;an We' isg ms;this tee the Rsrj$acllori is,jirocess?d:tiyr.AiiibrkW rasi. , i ?tId'! t 11meYoa toadhF Ohm i riot horlor2?; g++En If . H a Cags advance is made in a 1Qf4rr4?iTP1. _,Y #A; ' his tioi?ojed upon;resubmisslon. ' . • , . ' or ATM nl:prikdf otir:a IiasES, the.airiouo!' ?cpnva lrilo„ r • , ! e.' •..... :QGrinuePlmim cbeitc ?ee? We?al}d a'S39 fee.td the US::do lags r gg P. a advance3>atarici e?lii?tr to'1 ?idr'accmieriterice. a'$hrw,,'i' > ? eilu esT " x r I 7•t• ' $10 rnt f?" j ; •; . j : ?ctie?c: deo?r?'e#o;,, . :[lhase:ch?e?cs•?f;fof:e?. P- .. , alr,Een?i ?ropmet?. ? . ? q . ?.'; r11?7rC?CQ'' r idr ' ,u atP? rate . '`:..:.:•' "cffeck ir?da u,,r[- h 6 F' ; the;=a 1>i : ,,'pA m•..'' t ; . F '; ire amid' , "tbtthe' E;: .?rah r+artc> iEfH o A O htetyii>ywk, Ii(yrari maijd: tad -rat 1Bi tfrit-ariltruoffuris'?g+y8rkiQticli$tk, bsf Ct?: oanver tin,rate' t(ecfbtiitre: . . p?!- .? ., .. , ..; `-ThC•tot?ignuirialcy--' s! bf:e.: . ; ayp?abte en i•ort d for a Vila i, bb-fty differ from ` tfie rdte'Iri' go irn the- ale or Post daie'ori your bVIng I 'm ?t'o om?1th"feace Cbetk'l?es ?ATe,aOd A'?9:fe8 tq t ea ne ra !!?. taiic 1f Q-,hp-or:yorft',,iegllt?si to staterr?ept to-69 bransaidlon, • atop patrtt an'$ c6:ciixlt; 7o s!o p2yratlen't orf! It.ac irafWph iropvbkd 6y a 3tilyd'P&AYD r•to such c? es* , to lis, TP,D:,B >€ OO1 Sioilz fall§ s .3 Corvt:nlvice i Sobtfi'?aROljibli.t7,;' is Y ?ltilsib'r.ecrvceeu'm69ioti• trans ttcntiiii pocassEO ;b)!MaatbrGard;Yfsator AiiMdLo'. jes'S, ftfireipn•iurmricycdriVetaiori rate far' rh bilpri tl?alk'ptj' !m # mi: a'r±aIi ari that tiao?acf be thtt rile .setetted 'thirdt ?''` WA iir`erlUoitil ?,, 4• o ps{( OM by'iftiet [?n1W?? ' J/r1•i?i•Yf,?1:.'.' -'r' ... .. 4••Gi?..• ? ? . F.., q • •!?l': :t'• :m? ??? •t"`R• • •^?'? iy,.? r .tai letlrtfrb? ??Illt'?lP.:? rr1rf11jt1.yQU:rlrtral p8? d,t iea?+t !• ; ? , r?elabce;R >ite , , M ' he s: ;l ash` the W1rhum Arriounl Due by the payriunt due dale. The, ?heClt•rr?u"slbaltt • •?tilrii?+'is?i?„'ahb•iisedeo?rgilip' . .. - 'ir:ri?irrww?.w+"•er+sn..rater"r"'?"?`er•'ee°•"•?r'?,.•.?"r?. ....w. ??:?.....n.'. ••...rrro+r.•w.?-'?.?'' -.,7,' is {. ,a,•i: :,: ,???.: ... ,•, j??' 11'y'.ii,,?,c; j? Y, ??,:..•:'••. .,, t? •r..???i.i:.E-.' ?4? V?,'•;"?'f. 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REC-=: " 'OR PAYMENT Cumberland Countyy Prothonotary?;:,.fice Receipt Date 2/0512009 Carlisle, Pa 17013 Receipt Time 12:57:35 Receipt No. 220462 COMMONWEALTH FINANCIAL SYSTEMS (VS) ZIMMERMAN MICHAEL E Case Number 2009-00606 Received of PD ATTY RATCHFORD DKB Total Non-Cash..... + Total Cash......... + Change ............. - Receipt total...... = 78.50 Check# 28713 .00 $78.50 ------------------------ Distribution Of Transaction Description Payment Amount COMPLAINT 55.00 TAX ON CMPLT .50 SETTLEMENT 8.00 AUTOMATION 5.00 JCP FEE 10.00 Payment ---------------------------- CUMBERLAND CO GENERAL FUND BUREAU OF RECEIPTS AND CONTROL CUMBERLAND CO GENERAL FUND CUMBERLAND CO AUTOMATION FUND BUREAU OF RECEIPTS AND CONTROL $78.50 A' J? D= rte, 1 v• Commonwealth Financial Systems, Inc 245 Main St In the Court of Common Pleas of Dickson City PA 18519 Cumberland County, Pennsylvania Plaintiff Civil Division vs. MICHAEL E ZIMMERMAN 13 N Queen St Apt A . SHIPPENSBURG PA 17257 Defendant NO: 09-606-CIVIL TERM Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank Michael F.'~ Edwin A. At Lawyer ID # Sworn and ~~ ~~~.< & Associates, P.C. day 20~ Notary Public ~~ y ~ ,Y .. ;, 209 SEf' I S 'r'~ 2: a Rio. o~ ~~ ~~ e~ ~rs7z7 i2~-a~aLOq COMMONWEALTH FINANCIAL SYSTEMS INC Plaintiff vs. MICHAEL E ZIMMERMAN 13410 Mockingbird Ln Orrstown PA 17244 In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Division NO: 09-606-CIVIL TERM Praecipe to Reinstate Civil Complaint Defendant To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, {-, Sworn and subscribed before me on this , "/ day of 20 erricone, Notary Public NOTARIAL SEAL LEE PERRICONE Notary Puoiic SCRANTON CITY, LACKAWANNA COUNTY My Commission Expires Apr 2, 2014 0 ' C .n 01 Ul -G 0 Flo. co p a 01-/ ie,# ail 7'? 7a SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff V4,~rtitr of ~itiribe~~.f7j~a- Jody S Smith Chief Deputy ~ Richard W Stewart Solicitor ~~~ : F ~> ~~G ,.Gai~~ Commonwealth Financial Services vs. Michael E. Zimmerman Case Number 2009-606 SHERIFF'S RETURN OF SERVICE 09/08/2010 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Michael E. Zimmerman, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of Franklin County, PA to serve the within Complaint and Notice according to law. 09!22/2010 Franklin County Return: And now, September 22, 2010 I, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Michael E. Zimmerman the defendant named in the within Complaint and Notice and that { am unable to find him in the County of Franklin and therefore return same NOT FOUND. Request for service at 13410 Mockingbird Lane, Orrstown, PA 17244 is vacant. SHERIFF COST: $37.00 September 28, 2010 SO ANSWERS, ..~ ~~~ RON ~ R ANDERSON, SHERIFF !`~ ~- n.~ ~:; `! `r! r ~r ~ f~ ~:~ ~~ - ~ _t : "~ E ar, 1 :< ~ C°l~ ~ ~ C "t~ ' ~"''" C'a "i ~~ r :3 ~ ~ ( f ~ ~..) '~ - -"~ C'J -ry ~'"J rte ~' ~ ~ ~ rr e ..w~. ~,.+ "'°~ "'t. !c; (~ounC;~uite She~'iff. Teiec.^:cft, h~.c: SHERIFF'S RETURN - NOT FOUND CASE NO: 2010-00242 T COMMONTWEALTH OF PENNSYLVANIA COUNTY OF FRANKLIN COMMONWEALTH FINANCIAL SERVICE VS. MICHAEL E ZIMMERMAN RANDY D STROBLE Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT to wit: ZIMMERMAN MICHAEL E but was unable to locate Him in his bailiwick. He therefore returns the COMP CIVIL ACTION , NOT FOUND as to the within named DEFENDANT 13410 MOCKINGBIRD LANE ZIMMERMAN MICHAEL E ORRSTOWN, PA 17244 HOUSE VACANT Sheriff's Costs: Docketing .00 Service .00 Affidavit .00 Surcharge .00 .00 .00 So savers: RAND D STROBLE DANE M ANTHONY, Sheriff MICHAEL F RATCHFORD ESQ 09/22j2010 Sworn and subscribed to before me d this ~ a day of c.,Qi.ei~,J ~~~~ A.D. ~~,,,____ Notar ,, RICHARD D. ~~~ ~~~~` ~cA~ McCARTY, Notary Public Chambersburg 8oro., Franklin County MY Commission Expires Jan. 29, 2p~ ~ COMMONWEALTH FINANCIAL SYSTEMS INC In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Division Plaintiff vs. MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Defendant NO: 09-606-CIVIL TERM A i Praecipe to Reinstate Civil Complait tr ? :?T c:D .? To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complains:. Thank you, ichael F. Ratchford, Edwin A. Abrahamse & Associates, P.C. Lawyer ID # 86285 Sworn a (d subscribed before me on this day of 20 s Notary Public I'/C, Gt) 14dg R4 lelilo'd ,??? d53 79/ COMMONWEALTH 07__ _ ENN5'i' fVAN_ '_TA Notarial :Leal EMichaei C 5owa, Notary Po,;,ilc ins 7wp., l.uzerne C??untrr mission Expires Tan. 24 2U14 Mernber- Perris,/iv,anin :ss la Lars of +kv`?i es ? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 9 of CIM11i"1414 0011 1 ILED-OFFICE v OFT E PROTHONOTARY 2011 JAN 24 AM 10: 00 OOPESYLN T` NNVAA Commonwealth Financial Services vs. Michael E. Zimmerman Case Number 2009-606 SHERIFF'S RETURN OF SERVICE 01/19/2011 05:37 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on January 19, 2011 at 1737 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Michael E. Zimmerman, by making known unto himself personally, at 15 Larch Drive, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to him personally the said true and correct copy of the same. A G SHALT UTY SHERIFF COST: $46.00 January 20, 2011 SO ANSWERS, K '/?, ROW R ANDERSON, SHERIFF ici Cci.intpSuite Sheriff, Te eosett. Inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS INC CIVIL DIVISION c'7 C -? 3 r-n W 2M ter.. r- X .c o z© A C 2 N N m rrnn? -Or- ;a o ©-n oQ --i rn Plaintiff vs. NO: 09-606-CIVIL TERM MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Defendant -o N PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the amount of $9,776.61. Notice of the intent to file a default judgment was served upon the Defendant on April 12, 2011. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit "A." Edwin A. Abrahamsen &Associates. P WidWaerF. kakhford, Esquire ) Attorney I.D. No.: 86285 ¢Iycc-pd al+ll Attorney for Plaintiff Ckhit4A'C> rMi a(a 100Ll JUDGMENT roo?i ed AND NOW, this day of Jul, 20?, Judgment is hereby entered in favor of the Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS INC and against the Defendant, MICHAEL E ZIMMERMAN in the amount of $9,776.61 for failure to respond to Plaintiff s Complaint. PROTHONOTA 10 .? J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS INC Plaintiff : vs. MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Defendant CIVIL DIVISION NO: 09-606-CIVIL TERM CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Date: May 17, 2011 Edwin A. Abrahamsen & Associates, P.C. Michael F`. Ratchford, Esqui Attorney I.D. No.: 86285 120 N. Keyser Avenue Scranton, PA 18504 (570) 558-5510 COMMONWEALTH FINANCIAL SYSTEMS INC Plaintiff vs. In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division NO: 09-606-CIVIL TERM MICHAEL E ZIMMERMAN 15 LARCH DR AFFIDAVIT UNDER SOLDIERS AND SAILORS Shippensburg PA 17257-8739 RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED Defendant State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): MICHAEL E ZIMMERMAN is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; That the defendant(s): MICHAEL E ZIMMERMAN is(are) older than eighteen years of age; That the employment status of the defendant(s): MICHAEL E ZIMMERMAN is(are) unknown. Subscribed before me this day o Notary #Qt; ^? . _.;fiC SCi AP1TOPJ C? i ; LACY AVIANNA COUNTY ,:fres Apr 2, 2014 EP:'ald A. =e-RAHAIZEI I IJKHAEL F. R-T:HF1,'-P1- HE=TREE: 1. ":"•'0C%DR11f F 1 ![1,0 = WEIABER OF FL BAR THE LAW OFFICE OF ED1A1N:S..:1GFLk&A %WE N P4" WWW.EAA-LAW.1'(Av1 April 12, 2011 MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Re: COMMONWEALTH FINANCIAL SYSTEMS INC v. MICHAEL E ZIMMERMAN CUMBERLAND County Civil Action Alo.: 09-606-CIVIL TERM Our file No.: 09-00020/CW Dear MICHAEL E ZIMMERMAN: Enclosed please find the Ten Day Notice of Intent to Take Default in regard to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account; please contact me at (570) 558-5510. Edwin A. Abrahamsen & Associates, Kevin J. Cummings, Esquire Enclosure This is a communication from a debt collector in an attempt to collect a debt. Any information will be used for that purpose. 120 N KEYSER AVE S{RANTON, PA 18504 (P) 570.558.5510 (F) 570.558.5511 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA COMMONWEALTH FINANCIAL SYSTEMS INC : CIVIL ACTION Plaintiff : vs. : NO: 09-606-CIVIL TERM MICHAEL E ZIMMERMAN Defendant : TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT To: MICHAEL E ZIMMERMAN 15 LARCH DR Shippensburg PA 17257-8739 Date of Notice: April 12, 2011 IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)(2) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN 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 Sheriffs I Court House Sq. Carlisle, PA 17013 Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Jun-23-2011 06:15:12 Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency ZIMMERMAN MICHAEL E Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. 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 Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). 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 DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as 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 status by contacting that person's Service via the "defenselink.mil" URL httv://www.defenselink.mil/fag`/-`pis/PC09SLDR.html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional 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 active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popreport.do 6/23/2011 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:SSEOSNTNDR https://www.dmdc.osd.mil/appj/scra/popreport.do 6/23/2011