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Home My WebLink About09-1219IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff No: Oq _ la 19 &V;I p w Vs. RENEE L SCHNEIDER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 175 South Third Street Ste 900 Columbus, OH 43215 (614) 801-2600 FAX: 614-801-2601 06824857 C N Gro IAS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff VS. Civil Action No RENEE L SCHNEIDER Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you b the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK (USA),NA is a corporation with offices at 15000 CAPITAL ONE DRIVE RICHMOND , VA 23238 . 2. Defendant is adult individual(s) residing at the address listed below: RENEE L SCHNEIDER 111 E WILLOW ST CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0S02 . 4. Defendant made use of said credit card and has a current balance due of $5159.51 , as of November 19, 2008 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 27.400W per annum on the unpaid balance from November 19, 2008 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , RENEE L SCHNEIDER , INDIVIDUALLY , in the amount of $5159.51 with continuing interest thereon at the rate of 27.400% per annum from November 19, 2008 plus costs. James C. W ro t,42524 WELTMAN, EI ERG & REIS CO., L.P.A. 175 Sout Thi d Street Ste 900 Columbus OH 43215 (614) 8 1-26 0 FAX: 61 -80 -2601 068248 C Gro IAS This law firm is a debt collector attemptio collect this debt for our client and any information obtained wiA1?/be used for that purpose. capftalc e' NOT PAYING YOUR DEBT 500013 1 what's in your wallet?' DOESN'T MAKE IT GO AWAY. In fact, even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? We're here to help. Please contact us to find a solution that's right for you. You can make a payment with our J= check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement within 30 days to keep your account from being charged off. ® 2006 Capita! One Services, Inc. Capital One it a federally r catered service mark. Ad right ,erved 500073-08503 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance, Minimum Payment Due Date $3,828.94 - $0.00 + $91.15 + $39.00 = $3,959.09 $959.09 Nov. 30, 2007 Oct. 06, 2007 - Nov. 05, 2007 Page 1 of 1 nEASE PAY AT LIAST THIS AMOUNT MasterCard Pladnum Account Your account is six payments behind. If we charge off your account due to late payments, we will report the 5178-0513.30180502 charged-off status to several national credit bureaus, and the Purchase APR as reflected on this statement will be applied to all your outstanding balances. Act now to prevent this from happening. Please pay the amount due Your Account Information on your statement or give us a call at 1.800.955.6600. We'll work with you so you can take control of your account and start rebuilding your credit with Capital One. TOTAL CREDIT LINE $3,000,00 TOTAL AVAILABLE CREDIT $0,00 CREDIT LINE FOR CASH $3,000,00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important inforirrelion) Balapplnce to Perrate iodic ?i? FINAN CHAR CE Purchases $3,881.59 0.07575% D 27.65% $91.15 Cash $0.00 0.07575% D 27.65% 50.00 ANNUAL PERCENTAGE RATE applied this period: 27.65% ® At Your Service 1.808903.3637 To call Customer Relations orto reports lest or stolen card: ® Send payments to: Capital One Bank • P.O. Box 70884 • Charlotte, NC 28272-0884 "Important Notice" Under the terms we previously disclosed to you, your account is now eligible for an home in Annual Percentage Rates (APRs) elective irately. However, Capital One has elected not to raise your APRs at this time. Please be advised that'd you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future. Payments, Credits 3 Adiustments Transactions 1 30 OCT PAST DUE FEE $39.00 ® Send Inquiries to. You were messed a past due fee because your minimum payment was not received the due date. To avoid Capeal One - P.O. Box 30285 - Sale Lake City, UT 84130-028.5 this fee in the future, we recommend that you slow at best 7 business days for your ?imum payment to reach ® Have a question about a charge on your statement? Capital One. Please refer to the Billing Rights Summary on the back of your statement or visit wiviv canbbnexamidityules, EXHIBff 6056 506 1 07 5 071105 PAGE 1 of 1 OIDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE Gapnwotl ' I what's in your wallet?. New Balance Minimum Payment Due Date F$3,959.09 $959.09 Nov. 30, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.o. Box 70884 I11 11 118 11Enrllnnlr111 Charlotte. NC 26212-0884 1 u11 11 nln1 lrlIIIII1 111111 if 11 If 11 11 111 111 11 11111 Account Number: 5178-0523-3018-0502 Please print address or phone number changes below using blue or black ink. Address 5178052330180502 05 3959090088000959093 Home Phone Altemate Phone Email address @ #9031138937321166# MAIL ID NUMBER RENEE L SCHNEIDER 133 E WILLOW ST CARLISLE, PA 17013-3932 urlllnrlllnuullullnrllrlrlnullurlrlurllurlllrln Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. RENEE L SCHNEIDER 1. Mar to Avoid a France Charge. .. t a. Grace Period. You will have a minknum. grace period of 25 days without finance charge on row Purchases, new balance tramfers, new spacial townhouse ..it new whr dwgaa If you pay you east •Nsw Balance', In accordance with the Important Notice for payments below, and In time for it to be credited by your payment due dab. Theme is no grace period on cash advances and special h.msbn. In addition. theme Is no grace period on any baraadbn N you do not pay the total 'Near b. Accruing FinaCe Charge. Transactions Wtch we not W*d b a grace period ere aamemea finance deep 1) fmm the cleft dive transaction r2) ham she daft to transaction is processed to your Account r3) from tie first Calendar day of the current big period. AddNrugy, If you ad not pay the "Naar Balance hem the pmvteus billing period in full, finance aluirgme continue a soave to your unpaid balance unn the unpaid bounce is paid n fut. This magna that you may as one Rene doges, even r you Pay the entire New Balance Indicated w the front of your Wement by to payment due doe, but old not do so for the previous month. Urpmld finance dumps am added to to sppk" sepent of )ourACwunt t c. Ilniraa Finance Cheese, For each hlng period ere your accwt ire se1W s a twee derga, a mHean tclN FINANCE CHARGE dSO.So wg be imposed. t d. Tanpomry Reduction In flnaime Charge. Via ramerve th. right to not asses any oral flenoi charges for any given bang period. 2. Average OaY lalaea ptmiuding New imumh e Finance c orp Is alccted by multiplying the daily balance of each segment dyouraooount (e.g., cash advance, purchase, toads senator. and special p adese) by the Wimspordig Mies imric I se(e)tarhabash Previou l y disclosed to you. A the and of each day during the biting Period, we apply the it* Periodic rate for a.. h segment of your amount to the day balance of each septum. Than at she and alts billing period, ee add hp the rank of these daily calculations b am" at your Periodic finance ohm" for each sagment. We Vem results each magm e, tam irmiw artw eel sold up b your account To gem the duty alro fr each segment of your amoum, we eke the begins boI for each segment and add any - Imersadions and any arras dep slated on the previous days belena for that segment Wa men antraday payment or credits Posed n dart dy let am oloaed b del nprwht. This pima us the siprare day balance for each tagnhent Iyour accounL However, N you paid the Now Balance shown on roar previous sc mme t In full (r If your new balance uem fro r e credit somm tl, new transactions, which post to your purchase, ar special purchase worst are not added to the dally bNahw. We calatta to average day alrma by adding as the daily batanoa together ere dMcemng the sum by the number of the days in to current billit cycle. To calculate your total finance charge, multiply your average daffy balance by 00 daily Periodic raft an by tieM nbW d days n the bit period. Due to Pourabg ona duly basis or due to natenum warfare dwge asseswoK terra may be a wfance between 11hs calculation and the amours of finance dente actually aaaeed. 3. Annual Percentage Rasa (Apn a. The earn 'Annual Percentage Reb• may appear as *APR' w the hag of the statement b. It go code P (Quarlery Primsj L (Our" USOR), C (Uumnady CD), or S (Bakca d Priam) appears on the Prot of this statement nerd to no priodic nab(s), the Pen od o mass and amespoMrq ANNUAL PERCENTAGE RATES may ray Wr1My and may Increases ardaaera based on the stated indices, n founds The Well Slmet Journal, plus the margin be aNeWa ? ?ufsclosed to you. The" dirges ai day of yam cling period covered by your perlnde Stow wd endkV in the monde d January, April, July and October. a If the code D lMo thy Primal, F (Monthly LIBOR or G (Treasury LIBOR) appears w the horn of your atrement neW to ere periodic rue(st the periodic raise and cortapandrt ANNUAL PERCENTAGE RATES may wry nenaiy and nary increase or d.aeme. based on the stated Imiees, as found n The Mot Street Journal, plus the margin prevbndy disclosed to you. Theme charges will be e#&CO. on the ash day dyer blip Period each month. 4. Amsessamam of Lass, Owing and Returned Payment Fees Umber the emx of your cralonw oprssmet, ee reserve the right to echo r not to aasees any sea without prior nollu6onto youwMpulwnivit Omdghteasmess the samearskaereas na latertirte. t S. Ro memi g Your Account. If a membership fes Oppose on the hot of yam Wtawq you haw 30 drys from this data at dsermt son milled to you to avoid Paft V. tea or to have such he credited to you it you canon your acoaat without having to pry the membrrYp M. To oarnod your account you names orgy m by calling our Curonar Rels6aw Department and pay your Tow Salience In full (excluding the nwMrstlp he) prior to the end of he li itt doy period. 6. N You Ctaa Year Account. You an request to dome yon account by calling our Customer Relations Depammrd. You must dWmy your cmcft cord(e) and accourd access .a"asPrautlomood bi rg aid ou"m s cloaks. umet your acommL Abler your request to close, Nyou continue to banned or do not cancel Prauterbad bit arrangements, wa cal consider mon" of a charge yam atdhwumbn b keep your amomd open. Additionally, your amount will not be dosed until you pay sit amounts you was us induorg: any Pernadbne you hews authorized. Anne charges, past due foss, overbuilt same, roared Psymet tea. all advance fome and any oterfems essomp d to your account You am responsible for Nast muds whsaersey oppea on your 800"A at the tole you mgmr to dose the account or they am Incurred subaquea to your request to doa the aaoum. This may result In due appealing on youracraunt after you haw requested the account to be clamed. 7. Using Your Acmg& Your card or account cannot be used in connection Win sarry Internet gambling S. Notice About Fn ' ' - Cheek Conversion. Whan you provide • check a psymsoL you euthorlas us actor to use inform etton from your check to mere a on"" eierLmnb find counterfrum your bank socaun or to prows the payment as a check tmneacmn. When we use nfamallon ham your dark to make an alackonic fund uamdr, funds may be wididrseo from your bank account ere soon me Ens earns day va receive your payment, end you vAl not motive your check beck from your hands naqugon. BALING RIGHTS SUMMARY (n Case of Errors or OusaWe about Your 62) N you think your bl in wrap, r N you need more information on a transaction r hit, Male to us on a mepaW shed a soon u Possible at the address for inquiries shosn on the front of in etstamm We must her from you no Ater ears Se days stem we stem you fie Mal bit on mo hich the emror Problem appeared. You an Call or Customer Racoons annba, bur daft so will not Preserve your rights. In your alter, dike us Ine fulmung nfametion: your na m, aid secout number, the door amount of the suspected error, a description of the amer and an ehgtnetlon, N Possoft, dares you baleve awe ta so error or if you need coon infamaim, a descption of the item you are unsure about- You do not have to Pay arty amount in question whys wa am nvesdgedi g d, but you are acs obligated to pay the Pare of your bit that am not in qumetion. White ws khveatlgata your question. ea Canna report you me delinquent or eke any motion to cotad tie amount you quessm t. t Special Rule for Crodk Cam Purdhoome N you have a problem with the poly of property or sarvide that You pumhosed with a credit card and you have MW n good t rh to owed the Problenh with the merchsm, you may how the right not to pay tie remaining amoral due on the property or services. You have this Protection only Wan ere Parches Price ear nee than 550.00 all the pudheme vas mall in your hone some r wilhin 100 will" d your calling addmy. (t we own r operate the memnhant. or N we m W W you the adwnemam fr to property or services, act purchases am covered regardless of amount or beam of Purchase.) Pteaa romenlbr to sign a owrapnmemhce. t Does not apply to ansurmr r&n uodo card accounts Dos not apply to buslass ..smelt and accounts Capital or* supports efom eme n pmey Pmledion: as our webers r 7yy9y, Capitol One is a federally registered sarvka mark d CaplW One Flnamdsl Cwpo don. A dolt rmeened. O 21MI6 Capita Om 01 DMWW - 1 - 04110/07 enportert Nslke Paynar you cab r el a aedW b yon eroratar Of dW berme drywe racoon k, prordW (1) you and ere blexnpalbrduoweanridyamdeernba.I.W mMreaae p rid()ywaim s, mncWsdholrpraaee, oast by3 PA. ET (12 nom PT). Phase dwst bMfbe (5) bureeedeys brposal dslwy. Psymaa a elred by us ray user ehabn win ay a mynemecededarivedeyvecakecam.Wfanner d.ys eretlordeytpough fesadry,eWUdng hpldays Pteead don n.t on use etaplr, pafwolps, eo. xlhn PWat your PaJwlt CAPITAL ONE BANK (USA), N.A., Plaintiff, V. RENEE L SCHNEIDER Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. Dated: /", Darious Nelson A049 WELTMAN, WEINBERG & REIS CO., L.P.A. 70 + J 4J i UJ T R?7 r _. h.) J d'T1 cil i? Sheriffs Office of Cumberland County R Thomas Kline ??'of of Cugrbpr? Edward L Schorpp Sheri 4,0 Solicitor 4'2. Ronny R Anderson Jody S Smith Chief Deputy OFFai E OF THE SHERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/06/2009 12:44 PM - Amanda Cobaugh, Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworr according to law, says, the within Complaint and Notice was served upon Renee L. Schneider the defendant, at 12:44 hours on the 6th day of March, 2009 at 111 East Willow Street, Carlisle, PA 17013 by handing to her personally a true and attested copy of the Complaint and Notice and at the same time directing her attention to the contents thereof. So Answers: R. Thomas Kline, Sheriff SHERIFF COST: $32.92 (PAID) SO ANSWERS, March 09, 2009 Capital One Bank VS Renee L. Schneider 2009-1219 Civil R THOMAS KLINE, SHERIFF A L ni viAlt, Ph, b, A a , AL ff a WAW U De uty Sheriff Q 'y'e a ' k i ,? r ??? x w: ? c?> -°o, ?_ , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. RENEE L SC14NEIDER Defendant No. 09-1219 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06824857 Judgment Amount $ 5,638.29 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. Civil Action No. 09-1219 CIVIL TERM RENEE L SCHNEIDER Defendant TO THE PROTHONOTARY: PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, RENEE L SCHNEIDER above named, in the default of an Answer, in the amount of $5,638.29 computed as follows: Amount claimed in Complaint $5,159.51 Interest from November 19, 2008 to April 24, 2009 at the legal interest rate of 27.40% per annum $478.78 TOTAL $5,638.29 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T. Molczan, quire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06824857 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7's Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 111 E WILLOW ST, CARLISLE, PA 17013 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. Civil Action No. 09-1219 CIVIL TERM RENEE L SCHNEIDER Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on_;? lI S lQl (xx) Assumpsit Judgment in the amount of $5,638.29 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary ByATHONA0j4AR5T-MR4%DE PR TY) RENEE L SCHNEIDER 111 E WILLOW ST CARLISLE, PA 17013 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7'h Avenue, Pittsburgh, PA 15219 1-.888-434-0085 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA), NA Plaintiff vs. RENEE L SCHNEIDER Defendant Case no: 09-1219 CIVIL TERM NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, RENEE L SCHNEIDER is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, RENEE L SCHNEIDER is not in the military service. Further Affiant sayeth naught. AFFIANT SWORN T AND SUBSCRIBED in my presence this ?hday of , ?. Notarial Seal Heidi J. Kelly, Notary Public Chy Of PRlsburgh, Allegheny County My Comm" m E)ifes Nov. 4, 2009 Member. Pennsvlvanle Association of Notaries Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 1 APR-20-2009 14:24:14 Last Name First/Middle Begin Date Active Duty Status Service/Agency SCHNEIDER RENEE Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. 'rel 0464" Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink.mil/fag/pis/PC09SLDR.htm1 WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: GZDPI VUYKU https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/20/2009 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK (USA),NA Plaintiff vs. RENEE L SCHNEIDER Case No. 09-1219 CIVIL TERM Defendant IMPORTANT NOTICE TO: RENEE L SCHNEIDER 111 E WILLOW ST CARLISLE, PA 17013 , Date of Notice: YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA. 17013 (717) 249-3166 WELTMAM WEINBERG & REIS CO., L.P.A. Matth w Urban P.A.I.DA 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 4347955 6824857 N PIT M4C ??S115