HomeMy WebLinkAbout09-4764IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY,
PENNSYLVANIA
CACH. LLC.
VS. NO: O9-q7&4 Ciy;c-lerm
JAMES E GILLILAND
NOTICE TO DEFEND
You have been sued in Court. If you wish to defendant against the claims set fourth in
the following pages, you must take action within (20) days after the 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 fourth 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 of any money
claims or 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 THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE
YOU CAN GET HELP. 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.
LAWYER REFERRAL SERVICE
PENNSYLVANIA LAWYER REFERAL SERVICE
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013.
(717) 240-6200
Harrison Ross Byck, Esq., P.C.
229 Plaza Boulevard
Suite 112
Morrisville, Pennsylvania 19067
1-888-275-6399/(215) 428-0666
Attorney for Plaintiff
#61511
CACH, LLC.
4340 SOUTH MONACO STREET 2ND
FLOOR
DENVER, CO 80237
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
VS.
No.: U l ' ! / to
JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE, PA 17013
To: JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE, PA 17013
COMPLAINT
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served. By entering a written appearance personally or by attorney and filing in writing with
the court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and the court without further notice may enter
a judgment against you for any money claimed in the complaint or for any other claim or relief
requested by the plaintiff. You may lose property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
PENNSYLVANIA LAWYER REFERAL SERVICE,
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013.
(717) 240-6200
AVISO
Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas
expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la
demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con
abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si
usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin
previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que
usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus
propiedas o otros derechos imporrantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR
TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRTTA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
SERVICE DE REFERENCIA LEGAL
PENNSYLVANIA LAWYER REFERAL SERVICE
4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013.
(717) 240-6200
Plaintiff, CACH, LLC., by its attorney Harrison Ross Byck, by way of complaint against
Defendant JAMES E GILLILAND, avers the following:
1. Plaintiff, CACH, LLC., is a Colorado limited liability company doing business at
4340 SOUTH MONACO STREET 2ND FLOOR, DENVER, CO 80237.
1. Defendant, JAMES E GILLILAND, is an individual residing at 2007 DOUGLAS
DR, CARLISLE, PA 17013.
2. The claims raised in the complaint are subject to an agreement to submit these
claims to arbitration. <Exhibit C>
3. Defendant, JAMES E GILLILAND, is indebted to MARYLAND NATIONAL
BANK, N.A. on an account stated by and between them in the amount of $7,717.81
which balance was due and unpaid as of July 30, 2007, for credit card account
number 4264299999713432. <Exhibit A>
4. On or about September 4, 2007, MARYLAND NATIONAL BANK, N.A. sold the
debt for good and valuable consideration to plaintiff, CACH, LLC. <Exhibit B>
5. The Defendant, James E Gilliland, last tendered a payment on March 30, 2007.
6. A copy of the credit card agreement is attached hereto. <Exhibit. C>
7. Plaintiff is entitled to charge-off account finance charges of $0.00. <Exhibit A>
8. Plaintiff is entitled to pre-litigation charge-off interest of $3.0110 per day from the
default date ( 14.240% annual percentage rate x $7,717.81 / 365 days) or $3.0110 x
600 days = $1,806.60; which is accrued interest through the date of filing. <Exhibit
A> Plus an award of late fees 0.00, court costs $178.50 and reasonable attorneys fees
of $1,543.56 as stated in the Cardholder Agreement attached hereto as <Exhibit C>.
9. The defendant, being indebted to the plaintiff in the sum of $11,246.47 upon the
account stated by and between them did promise to pay said sums upon demand.
Demand has been made for payment of $11,246.47 and the defendant has failed to
remit payment.
WHEREFORE, plaintiff demands judgment against the defendant for $11,246.47
together with other interest and costs of suit.
Date: June 29, 2009
EXHIBIT A
WACHOMEA
Preparedtor.• JAMES E GILLILAND
4264 2992 6633 1041
Summarv of Transactions
Previous Balance $7,370.06
Payments and Credits $0.00
Cash Advances + $0.00
Purchases and Adjustments + $0.00
Periodic Rate Finance Charges + $86.75
Transaction Fee Finance Charges + $0.00
New Balance Total $7,456.81
May 2007 Statement
Credit Une: $7,500.00
Cash or Credit Avai/able:
Billing Cycle and Payment Information
Days in Billing Cycle 30
Closing Date 05/18/07
Payment Due Date 06/14/07
Current Payment Due $101.00
Past Due Amount + $403.00
Total Minimum
Payment Due
FIA CARD SERVICES'"
Mail Payments to:
FIA CARD SERVICES
P.O. BOX 15726
WILMINGTON, DE 19886-5726
Mail Billing Inquiries to:
FIA CARD SERVICES
P.O. BOX 15026
WILMINGTON, DE 19850-5026
Call toll-free 1-800-477-9131
TDD hearing-impaired 1-800-346-3178
Corresponding Annual Balance Subject to
_ Category Periodic Rate Percentage Rate Finance Charge
Cash Advances
A. Balance Transfers, Checks 0.039013% IDLY 14.24% $0.00
B. ATM, Bank 0.039013% IDLY 14.24% $1,096.41
C. Purchases 0.039013% IDLY 14.24% $6,315.49
Annual Percentage Rate for this Billing Period:
(Includes Periodic Rate Finance Charqes and Transaction Fee Finance Charges.) 14.24%
Periodic Rate May Vary
1?" IM
OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE
IMPORTANT NEWS - TO MANAGE YOUR ACCOUNT ONLINE PLEASE USE
WWW.FIACARDSERVICES.COM. YOU CAN NO LONGER ACCESS YOUR ACCOUNT INFORMATION
AT WWW.WACHOVIACREDITCARD.COM.
16 0074568100050400000097000004264299266331041
Check here for a change of mailing address or phone number(s).
FIA CARD SERVICES Please provide all corrections on the reverse side.
P.O. BOX 15726 .,
WILMINGTON, DE 19886-5726
I„1 III 1 1111111111111111 111 I1 I a I I I I I I I I I I I I I I I I I I I I I ACCOUNT NUMBER' 4264 2992 6633 1041
NEWBALANCE TOTAL: $7,456.81
PAYMENT DUE DATE.' 06/14/07
JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE PA 17013-1022-076
EIRW ArymsMAma"En Af &
Mail this payment coupon along with a
check or money order payable to. FIA CARD SERVICES
m
m
0
N
I:5 240 2 2 2 50i: 08889 266 3 3 &04 Le
WACH VIA
Preparedfor' JAMES E GILLILAND
4264 2992 6633 1041
June 2007 Statement
Credit Line: $7,500.00
Cash or Credit Available
Summary of Transactions Billing Cycle and Payment Information
Previous Balance $7,456.81 Days in Billing Cycle 32
Payments and Credits $0.00 Closing Date 06/19/07
Cash Advances + $0.00
Purchases and Adjustments + $39.00 Payment Due Date 07/14/07
Periodic Rate Finance Charges + $93.65 Current Payment Due $147.00
Transaction Fee Finance Charges + $0.00 Past Due Amount + $599.00
New Balance Total
$7,589.46 Total Minimum
Payment Due
ACCOUNT NUMBER.- 4264 2992 6633 1041
Posting Transaction Reference Account
Purchases and Adjustments Date Date Number Number Category Amount
OVERLIMIT FEE (BASED 06/19 06/19 C/00 C 39.00
ON BALANCE 7,550.46)
Corresponding Annual Balance Subject to
Category Periodic Rate Percent a Rate Finance Charge
Cash Advances
A. Balance Transfers, Checks 0.039013% DLY 14.24% $0.00
B. ATM, Bank 0.039013% DLY 14.24% $1,109.75
C. Purchases 0.039013% DLY 14.24% $6,392.33
Annual Percentage Rate for this Billing Period: 14.24%
(Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges.)
Periodic Rate May Vary
OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE
YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS
IMPORTANT NEWS - TO MANAGE YOUR ACCOUNT ONLINE PLEASE USE
WWW.FIACARDSERVICES.COM. YOU CAN NO LONGER ACCESS YOUR ACCOUNT INFORMATION
AT WWW.WACHOVIACREDITCARD.COM.
16 0075894600074600000097000004264299266331041
Check here for a change of mailing address or phone number(s).
FIA CARD SERVICES Please provide all corrections on the reverse side.
P.O. BOX 15726
WILMINGTON, DE 19886-5726
loll 1"IIn1111111118111111l1'II111'11III1'?11'11'II
JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE PA 17013-1022 076
NEW BALANCE TOTAL: $7,589.46
PAYMENT DUE DATE.- 07/14/07
FIA CARD SERVICES"
www.fiacardservices.com
Mail Payments to:
FIA CARD SERVICES
P.O. BOX 15726
WILMINGTON, DE 19886-5726
Mail Billing Inquiries to:
FIA CARD SERVICES
P.O. BOX 15026
WILMINGTON, DE 19850 5026
Call tollfree 1-800-477 9131
TDD hearing-impaired 1 800346-3178
Eltw Paym"Amprk Ehak-d
Mail this payment coupon along with a
check or money order payable to FIA CARD SERVICES
? w
m
o_
N
I:5 240 2 2 2 501: 0888 9 2 6 6 3 3 10 4 1113
WACHCVIA
Preparedfor.• JAMES E GILLILAND
4264 2992 6633 1041
Summarv of Transactions
Previous Balance $7,589.46
Payments and Credits $0.00
Cash Advances + $0.00
Purchases and Adjustments + $39.00
Periodic Rate Finance Charges + $89.35
Transaction Fee Finance Charges + $0.00
New Balance Total
$7,717.81
July 2007 Statement
Credit Line: $7,500.00
Cash or CreditAvailab/e:
Billing Cycle and Payment Information
Days in Billing Cycle 30
Closing Date 07/19/07
Payment Due Date 08/15/07
Current Payment Due $143.00
Past Due Amount + $746.00
Total Minimum
Payment Due
FIA CARD SERVICES"'
Mail Payments to:
FIA CARD SERVICES
P.O. BOX 15726
WILMINGTON, DE 19886-5726
Mail Billing Inquiries to
FIA CARD SERVICES
P.O. BOX 15026
WILMINGTON, DE 19850-5026
Call tollfree 1-800-477-9131
TOD hearing-impaired 1 800-346-3178
L
Posting Transaction Reference Account
Purchases and Adjustments Date Date Number Number Category Amount
OVERLIMIT FEE (BASED 07/19 07/19 C/00 C 39.00
ON BALANCE 7,589.46)
RM
O
P
Annual Balance Subject to
Category Periodic Rate Percentage Rate Finance Charge
Cash Advances
A. Balance Transfers, Checks 0.039013% DLY 14.24% $0.00
B. ATM, Bank 0.039013% DLY 14.24% $1,123.24
C. Purchases 0.039013% DLY 14.24% $6,510.61
Annual Percentage Rate for this Billing Period:
(Includes Periodic Rate Finance Charges and Transaction Fee Finance Charaes.) 14.24°%
Periodic Rate May Vary
OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE
YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS
16 0077178100088900000097000004264299266331041
Check here for a change of mailing address or phone number(s).
FIA CARD SERVICES Please provide all corrections on the reverse side.
P.O. BOX 15726
WILMINGTON, DE 19886-5726
ACCOUNT NUMBER.' 4264 2992 6633 1041
NEWBALANCETOTAL: $7,717.81
PAYMENT DUE DATE.' 08/15/07
JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE PA 17013-1022-076
Entw Porn"A-V ak-.bm&
Mail this payment coupon along with a
check or money order payable to: FIA CARD SERVICES
w
= m
0
N
,: 5 240 2 2 2 50I: 08889 266 3 3 L04 ill'
EXHIBIT B
CERTIFICATE OF PURCHASE
I, J F I !' A S AB 0 n( R A c c, hereby depose and state that:
1. I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability
Company.
2. As such, I am authorized to give this Certificate, and possess sufficient
personal knowledge to do so regarding:
Customer Name: JAMES E. GILLILAND
Original Creditor: MARYLAND NATIONAL BANK, N.A.
Account Number: 4264299999713432
3. On or about September 4, 2007 this account was sold by the original creditor.
CACH, LLC is the current owner of the account and purchased the account for
g o o d a n d v a l u a b l e c o n s i d e r a t i o n.
Sworn an4 s+bscribed to before me this ay of 2009.
otary Public
F ANIE MORRIS
ARY PUBLIC
OF COLORADO
My Commission Expires 05/22/2011
PA 5.15.08
EXHIBIT C
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You may limit all the Bank of America affiliated
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Your choice to limit marketinngg offers from the Bank
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f'.n111Tn)%ja Mo..e-4. AA..:........ T T n
offers from us may include information about products anH
services we believe may be of interest to you.
If you elect not to receive direct marketing offers by postal
mail, telephone and/or e-mail, please note that we may
continue to contact you as necessary to service your account
and for other nonmarketing p see You may also be
contacted by your client relationship manager or assigned
account representative, if applicable. Bank of America may
also continue to provide marketing information in your
regular account mailings and statements, including online
and ATM communications.
Each customer may opt out of each direct marketing option
individual Since marketing programs may already 5e in
progress, it ma take up to 72 weeks for your postal mail
opt-out to be effective. When you opt out of direct
mark 'tin by pos mail or telephone, your opt-out will
last for five C5) years. After that, you may choose to renew
YYour opt-out for another five-year period.
6_ Actions you can take
ment, LLC
Management, Inc.
Advisors LLC
uu %me Services, Inc.
of America Agency, LLC
of America Agency of Nevad Inc.
of America Agency of Texas,
of America Insurance Services, Inc., dba Banc of
ica Insurance Agency
of America Corporate Insurance Agency, LLC
,*al Fidelity Insurance Com an
-al Fidelity Life Insurance Momypany
• lv ornyma us
eniermg
Ca your information on our secure Web site
• lling us toll free at 1.888.341.5000
• Talking to a customer representative at a banking
center or to your client relationship manager
8. 4uarding your own information
Bank of America recommends that you take the following
precautions to suard against the disclosure an
unauthorized use of your account and personal information:
Review your monthlyy account statements and report
any suspicious activitq to us immediately.
• Do not respond to a-mails requesting account
numbers, passwords or a. Call the institution to
verify the 1 of the a-mail.
Memorize PiNa and refrain from writing PINS,
Social Security numbers, debit or credit card
numbers where they could be found.
• Shred documents containing any sensitive
r'or a current list of Bank of America companies that have
consumer customer relationships and to which this policy
applies, please visit our Web site al
bankofamerica.com/priva This policy ap lies to consumer
customer relationships established in the United States and
is effective Janua?? 1 2008. This notice constitutes the
Bank of America Bo loot Call Policy under the Telephone
Consumer Protection Act for all consumers and is pursuant
to state law.
You may have other privacy protections under state laws,
such as Vermont and California. To the extent these state
1ma fwae?appiilooy, we will comply with them with regard to our
For Cv,a alp residents only. Nevada law r e that we
also provide you with the following contact information:
Bureau of (consumer Protection; Office of the Nevada
Attorney General, 555 East Washington Street, Suite 3900,
?I
.
r '
Lae Veggaas, NV 89101; phone number: 702.486.3132; e-mail:
BCPINFO®ag.statemv.us. Bank of America, PO Box 25118,
FL1-300-02-07, Tampa, FL 33633-0900.
For Vermont and California residents only. The
information Sharin racticea described above are in
accordance with fe?er 1 law. Vermont and California law
lace additional limits on sharing information about
Vermont and California residents so long as they remain
residents of those states.
Vermont: In accordance with Vermont law Bank of
America will not share information we collect about
Vermont residents with companies. outside of Bank of
America, except as permitted by law, such as with the
consent of the customer, to service the customer'q accounts
or to other financial institutions with which we have Joint
marketing a nto. Bank of America will not share
Application ?tion Consumer Report Information and
information m Outside Sources about Vermont residents
ai the Bank of America ompanies except with the
autho ation or consent of the ? exT
nt resident.
California: In accordance with California law, Bank of
America will not share information we collect about
California residents with co auies outside of Bank of
America, except as permit teidby law, Such as with the
consent of the customer, to service the custo??paer's accounts,
or to fulfill on rewards or benefits. We w[ll limit
among our companies to the extent required by apph? ble
i? California law.
8Uc?ursall baancareiadde ?ppooleccali n eapariol a traula de la
m 2007 Bank of America Corporation.
i
i
CREDIT CARD AGREEMENT
YOUR CONTRACT WITH US
Promise To Pay, and How We Allocate Your Payments).
We reserve gtthe r1?ght to chaanngggg the terms of this
sect; led We May Amy N. er described in the
Th Agreement.
WORDS USED OFTEN IN THIS AGREEMENT
"Access check" means a check we provide to you to obtain
credit on your account.
"Agreement" or "Credit Card Agreex?ent" means this
document and any changes we make to this document from
time to time.
"APR" means the correspondi4g Annual Percentage Rate.
The APR corresponds to theaily Periodic Rate ("DPR")
which is calculated by dividing the corresponding R by
365.
any other personlwiith auuthhorizatiio forlusse e on thisusc urn
pursuant to this Agreement.
"Default Rate" me the APR(s) which may be applied to
Balance Transfers, Cash Advances, and Purchases without r not descriebed initthhe isnectcertain ioled, AAnnual of r engage Rat ate
"Foreign Transaction" means any transaction made in a
foreign currency (including, for example, online purchases
from foreign merchants).
"Grace Period" means the period of time during a billing
cycle when you will not accrue Periodic Rate Finance
Charges on certain transactions or balances.
"New Balance Total" means the total billed amount as of
the Closing Date of a billing cycle, as shown on7oour
monthly statement. To determine the New Balance dotal,
we start with the total balance at the beginningg of the
billing cycle, which is the 'Z'revious Balance." `then we
Advances, p13e nsnce Transferscre , its. chanses? and Ad, add Cash
and finance charges.
"Pay in Full" orr"?"Paid in Full" means payments and credits bill
least cycle's NewgBalance?Tot?algIn ge ern a1,yP iaFnollmust'?be
made by the Payment Due Date in order to get a Grace
means limited time
on certain Salar?wa
nun corers may
or promo}}tiio?on??al
ins the section
"B lannceeTTrannsfers,CCaashs Addvanceess(sand ??ws. effect for
"We", "us" "Our", and "?qCS" means FIA Card services,
NA., also frown as Bsnk of America.
"You" and "Your" mean each and all of the parsons who are
granted, accept o use an account we hold. ''You" and "your"
also mean any oUr person who has guaranteed payment of
this account, when used in the sections titled Your Contract
Arbitration and Liitiga ion,,aandRwh n uuseed iron each of the
sections relating to payment of this account (e.g., Your
OTHER TERMINOLOGY
We will use the definitions described under the section
heading Words Used 0 en In This Agreement or as
otherwise defined in this rag, If we use a capitalized
document thiterm s document hbas the the meaning as used iinmyothis
ur
monthly statement.
We use section headings (e.., Words Used O/kn In This
Agreement) to organize this Agreement. The headings are
for reference purposes only.
HOW TO USE YOUR ACCOUNT
You may obtain credit in the form of Balance Transfers,
Cash Advances, and purchases by using cards, access
checks, your account number, or other credit devices.
"Balance Transfer" means a transfer of funds to another
to creditor initiated by us at your request. A Balance Transfer
t Ad do" not Balance Transfers ionncludetTra onsaacetiioon FeesCand
adjustments associated with any Balance Transfer.
"Cash Advance" means the use of your account for a loan
obtained:
1. at an automated teller machine ("ATM Cash Advance");
2. by a transfer of funds to a deposit account initiated by
us at your request. ("Direct Deposit"). A,Direct Deposit
does not include an Overdraft Protection Cash Advance
or a same day online funds transfer;
3. at any financial institution (e.g., to obtain cash, money
orders, wire transfers, or travelers checks), by a same
day online funds transfer to a deposit account, and at
any non-financial institution (to obtain cash) ("Bank
Cash Advance');
4. as part of an Overdraft Protection Program - a
transfer of funds to a deposit account pursuant to an
overdraft protection program ("Overdraft Protection
Cash Advance');
5. to buy "Cash Equivalents" (i.e., foreign currency, money
orders or travelers checks from a non-financial
institution, or person to person money transfers, bets,
lottery tickets, casino gaming chips, fines or bail bonds)
with your card;
6. by an access check you sign as drawer ("Check Cash
Advance");
7. for any payment you make to us that is returned to us
unpaid for any reason, including the related finance
charges ("Returned Payment').
"Cash Advance" includes Transaction Fees and adjustments
associated with any Cash Advance.
"Purchase" means the use of your card or account number
to:
1. buy or lease goods or services;
2. buy wire transfers from a non-financial institution
("Wire Transfer Purchase");
3. make a transaction that is not otherwise a Cash
Advance.
"Purchase" includes Account Fees, as well as Transaction
(continued)
Fees and adjustments associated with any Purchase. 2008
ANNUAL PERCENTAGE RATES tram
This section provides the Standard Rates, Default Rates and PPrroa
Promotional Offers applicable to your account. in Fe
its
Balance Transfers:. The Standard Rate for Balance
Transfer balances i a corresponding ANNUAL
PERCENTAGE RATE of 9.90%(0.02712352 DPR).
Cash Advances: The Standard Rate for Cash Advance
balances is a cof ondiag ANNUAL PERCENTAGE
RATE of 24 999i(0 MCAAw9F
this
If an
l9 8, t account by your
statement Closing D;
Advances ben .ng 01
Deposits which get thi
account as Balance Trs
tional Offer will ap ly to eligible
to your account hrough your
to in February 2009 and this
nd on your statement Closing Date
eligible transaction does not post to
statement Closing_ Date in August
otional Offer will end on your
e in A 2008. Check Cash
tr ID IiIV MB and Direct
Promotional Offer will post to your
. DPRl. During the time in which you may??make qualibing
under this Promotional e
Off, they will b
Purchases: The Standard Rate for Purchase balances is a subject to the following Promotional Fees: er, corre on ANNUAL PERCENTAGE RATE of
9.90960.027 392 DPR). Balance Transfers: 3.00% of each such uali??
Default Priai transaction (Fee: Min. $10.00; Max. $99.00) (DANCE
n: We may increase the APRs on all new CHARGE).
and outstanding- Balance Transfer Cash Advance,. and
Purchase balances up to the Defanl't Rate, without gg??vv?tnn?g This Promotional Offer mad end at aannyy time if there is 'a
you additional notice, each time you have two "deefault "promotion turn-off event. A promotion turn-off event
re-prising events" in twelve roving consecutive billing mesas: (1) that any Total Minimum Payment Due is not
cycles. A default re-priein? event means: (1) you fail to received by its Payment Due Date; or (2) that your total
make any Total Minimum Payment Due by its Payment Due outstanding balance exceeds your credit Limit on ay
Date; or (2) your total outstanding balance exceeds your statement Closing Dste. If a promotion turn-off evennt
credit limit many time in a billinngg cycle We may elect to occurs then this Promotional Ober will end as of the first
set your APRs for Balance Transfer, Cash Advance and dayy of that billing cycle. This means that this Promotional
Purchase balances to different Default Rates. Default Rates Rate will not be i i effect in that billing cycle.
are variable rates calculated using the Variahio nacre„
to
in which the s?ccs def
i _1.] __ _ ault reici g event
P
Rate for romotional Offer ID H6BHHH7MC: The Promotionnal
ANNUAL this Promotional Offer ofs 1.99% 0 0UU6452%
DPR).
This Promotional Offer applies to Purchases each at least
00.00 (each an "eligible transaction" for this Promotional
er).
ar. Lure we
kPRs by at
your new
Promotional Offers:.
From time to time we may make Promotional Offers on
certain new Balance Transfers Cash Advances, and
Purchases. When a Promotional Otfe? ends, its Promotional
Rates will terminate. A. y Balance Transfer Cash Advance
or Purchase balance sub to that Promoi:ional Offer will
return to its respective Oct Standard Rate or Default Rate as
applicable.
This Promotional Offer applies to Balance Transfers Direct
his?Promotional Offer ID and Check an "el?igibl transacti on" for-
this Promotional Offer).
This Promotional Offer applies to new eligible transactions
beginning on May 18, 2008. If an eligible transaction posts
to your account by your statement osing Date in August
monai vmer -a Iles to new eligible transactions
in June 9, 2008. If an eligible transaction posts to
it by A at 1, 2008 then this Promotional Offer
to ehgtbe straMeactions posting to your account
an
--mvionai Vner wits end on August 1, 2008.
This Promotional Offer mad end at any time if there is a
"Promotion turn-off event. A promotion turn-off event
means: (1) that any Total Minimum Payment Due is no
it total
received by utstand lba Plance?e eede yDate our; o resdi2 t limt y
o
statement CIDate. If a_ ? promotion turn-off even
occurs then this motio al Offer will end as of the first
day of that billing cycle. Z means that this Promotional
Rate will not be m eet in that hillins e -I-
Promotional Offer ID H6BHSH7MD: The Promotional
D? AL PERCENTAGE RATE of 1.99% ( 5482
This Promotional Offer applies to B8huwe Transfers Direct
D osit Cash Advances and Check Cash Advances fearing
t Promotional Offer M (each an "eligible transaction" for
Promotional Offer).
This Promotional Offers lies to new eligible transactions
beginning on June 18, 2008. If an a bible transaction posts
to your account by Your statement Q'losing Date in August
2008 then this l'romotioaal Offer will a
ppply to eligible
transactions postinQQ to ur account through your
statement Cloedng Date in March 2009 and this Promotional
Offer will end on Your statement Closing Date in March
2009. If an eligible transaction does not post to your account
_y your statement Closing Date in August 2008, then the
Promotional Offer will end on your statement Cloa?ng Date
Ei6008. Check Cash Advances bearing Offer ID
and Direct Deposits which get this
Promotional Oiler ID H6BMM7MB: The Prompotionall
DIUAL Pthis ERCENTAGE RATTEer of 1.99% (0 s 542296
DPR).
Promotional Offer will post to your account as Balance variable rates is 5.25% and was determined on June 30,
Transfers. 2008.
During the time in which you m make qu ng An increase or decrease in the index will cause a "
transactions under this Promotional ?ffer, they wi1T be Correa and
subject to the following Promotional Fees: p ay increase or decrease in your variable rates on
the first day of your billing cycle that begins in the same
Balance Transfers: 3.00% of each such Fgool_if?*in means hate d ute wil j ah pay °n data. An increase in the index
transaction (Fee: Min. (510.00; Max. $99.00) (FIN Cl :TThe ar es and have a der periodic rate finance
CHARGE). higher Total Minimum Payment Due. If
all Street Journal does sot publish the U.S. Prime
y . or i c ges the definition of the U.S. Prime B te,
Tprhis ttionotturn of vent. Adpromotionmturif off event we may, at our sole discretion, substitute another index
means: (1) that any Total Minimum Payment Dua is not CALCULATION OF PERIODIC RATE FINANCE
received by its Payment Due Date; or (2) that yo ur total CHARGES
outstanding balance exceeds your credit limi°on any We calculate Periodic Rate Finance
lying
statement Cloemg Date. If a promotion turn-off event each Balance Subject to Finance Ch r?seeby pp by a p ?le
occurs then thins Promotional OtFer will end as of the first DPR and that result by the number of da
day of that billing cycle. This means that this Promotional cle. When Periodic Bate Finance the billing
Rate will not be in effect in that billing cycle. g le. accrue on
a
Balance Transfer, Cash Advance or Purchase balance, those
Promotional Offer ID H6BHI{H7MF: The Promotional financercllarges become part of that respective Balance
Rate for this Promotional Offer is a co nding tiaeh Advance, or Purchase balance.
ANNUAL PERCENTAGE RATE of 1.89% ( 54b296 BILLING, CYCLE
DPR Your billin cycle ends each month on a Closing Date
determined a? yI us. Each billing cycle begins on the day after
This Promotional Offer applies to Balance Transfers Direct the Closing 17ate of the previous billing cycle. Each monthly
Deposit Cash Advances and Check Cash Advances iearinstatement reflects a single billing cycle.
this Promotional Offer ID (each an "eligible transaction" for-
this Promotional Offer). WHEN PERIODIC RATE FINANCE CHARGES BEGIN
TO ACCRUE
This Promotional Offer a lies to new e ' 'ble transactions Each new Balance Transfer and Cash Advance begins to
beginning on Jar 13, 2008. If an elihiibleansaction posts accrue Periodic Rate Finan Char on its to your account by your statement ClosingqDa in date. Balance Transfer acend Cash a Advance balances
September 2008 then tisia Promotional Offer wi-II aptly to nmai ning from previous billing
eli le transactions Dating to ,,? y ?eecycles accrue Periodic Rate
statement Closing Do a in pAril 2009 and this promo Promotions t Fi?anea date from Cthe heck Gadeahy ° noesfilling and cycle. The
Balance
Offer will end on your statement Clo i'ng Date in April Transfers made b . check is the date the check is first
2009. If an eligible transaction does not post to your account deposited or cashed. The transaction date for a Returned
by your statement Closing Date in September 2008 then Payment is the date that the corresponding payment posted
tfie Promotional Offer will end on your statement G1losfn to
Date is Sel)gtember 2008. Check Cash Advances bearing y° amount.
Offer ID HOBHSH7MF and Direct Deposits which ¢et tht I Unless subject to a Grac Period each new Purchase begias
Promotional Offer will post to B fj
your account as glance to accrue eriodic Rate ?inance on its transaction
date or the first day of the hiIling cyc a, whichever date is
During the time in which you ma make g' later. Unless subject to a Grace Period, Purchase balances
transactions under this Promotional Offer, t will be-e Fi a Charges pgbm ? Hof thee b'? Periodic Bete.
subject to the following Promotional Feee: ? first l ? illiag cycle.
ualik(i n aVhen applicable, Periodic Rate Finance accrue
Balance Transfers: 3.00% of each such
transaction (Fee: Min. $10.00; Max. $89.00) (ANA ?• an compound daily on new balances, an balances
CHARGE). F owe &, from previous billing cycles. Periodic Bate
vnargto will continue to accrue even though you
This Promotional Offer maX sad at any time if there is s we?inludetan full amount of any related balances because
"promotion turn-off event. A promotion turn-off event calculation of eachh Balance Sub ectdto Finnance CCha?ige. in the
means: (1) that any Tots Minimum Pa ent Due is not
received by its Payment ue Date; or (2) that total Your Payment Due Date will be at least 20 days from your
outstandin balance exceeds credit any statement Closing Date.
statement Closing Date. If a motion turn-off event
occurs then this Promotional Of eierr will end as of the first GRACE PERIOD
day of that billing c cle. This means that this Promotional . You do not have a Grace Period for Bolan Trott
Rate will not ba in affoot i" +1,.+ 1,411:....
notion turn-off event occurs d
ides August 13, 2008 then t
on the last day of that billing
VARIABLE RATE INFORMATION
We will use the following variable rate formula for variab}e
Standard Rates, vari
le Default Rates and variable
Promotional Rates. variable rates an calculated by
adding together an index and a For each variable
rate, the applicable margin is disclbove in the section
titled, Annual Peresnte89Retea
This index is determined on the last business day of each
month ("determination date') and is the high U S.
prime
Rate as published in the "Money Ratee" secon of lye Wall
Street Journal at any time within theunma y
index was determmiinn ds,Theluinde?x ? to calncu attoo?theea
- slurs or
% Advances. You will have a Grace Period on new
miases, in a billing cycle in which you Paayy in Full from
day after the Pay in Full date until the end off' that
ing cycle. You wiII have a Grace Period for an entire
ing ZI on new Purchases and on Purchase balances
wining ilom previous billsng cy?? if you Pay in by
Payment Due Dat? intlia? b'
prokiopus bilillliing cyc you Paid em &*fe and ,>t during
fA TCE ?CBARGE F BALANCES SUBJECT TO
gage Balance Metho (including new Balance
nafers and new Cash Advances : We calculate
rate Balances Subject to Finance Charge for Balance
oilers, Cash Advances, and for each Promotional Offer
nce eo of Balance Transfers or Cash Advances
(1) cal sting a balance for each day in the
ent billing cycle; (2) catcutating a daily balance for each
prior to the current billing cyr?a that had a "Pre-Cvctp
.
(continued)
balance" -a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior to the current
billing cycle but with a post' date within the current
billing *; (3) adding alI theme balances together; and
(4) dividing the sum of the dail? balances by the number of
days in the current billing cycle.
To calculate the daily balance for each day in the current
billin cycle, we take the b:Tnnin$ balance, add an amount
equa?to the applicable Daily Periodic Rate multiplligd by
the previous day's daily balance, add new Balance
Transffers, Cash . Advances. and Transaction.. Fees, and
subtract a?plicable payments and credits. If any daily
balance is ess than zero we treat it as zero.
To calculate a daily balance for each day prior to
current billing cycle that had a Pre-Cycle balance we
the beginniag?balance, attributable solely to a 1?•e-(
he _ ?-L
posted in previous billing
Average, Dail! Balance Method (including new
Purchases): we calculate separate Balances Subject to
Finance Charge for and for each Promotional
Offer balance ansietzneS Purchases by: (i) calculating a
dailyy balance for each Say in the current billingB ccyycle; (2)
add all they balances to r, and (3 d-ividi?ag the
sum of the dsi?y balances by the number of days in the
current billing cycle.
To calculate the daily balance for each day in the current
egV cycle, we take the beginning balance add an amount
I• to the applicable Dail
Periodic RaFs multiplied by
the previous day's daily balance, add, unless subject to a
Grace Period-now Purchases, new Account Fees, and new
Transaction. Fees and subtract applicable payments and its. zero. If in the ZRL
t bane is cycle yY u P zero we treat it as
the day after that Pay Yun da to islude Full, then he
in , we exclude Full, the
begiamng balance new Purchases, new Account Feet and
new Transaction Fees which posted on or before the Pay in
Full date.
We include the costs for credit card debt cancellation or
credit insurance purchased through us is csilcula ' the
beginning Purchase balance for the first da%y of the baling
cycle after the billing cycle in which such en AN„ hillna
MINIMUM FINANCE CHARGE
If the total of the Periodic Rate Finance C rges for all
balances is less than $1.50, then a minimum i4NANCE
CHARGE of 81.60 will be assessed on the account in lieu of
any Periodic Rate Finance Charge.
TRANSACTION FEE FINANCE CHARGES
we will assess the following Transaction Fees to your
Account in the same balance category to which the
transaction is posted:
the U.S. dollar amount of each such Cash Advance (Fee:
Min. $10.00).
If you obtain a Check Cash Advance, we will sense a
traneaction fee (FINANCE CHARGE) equal to 3.00% of
the U.S. dollar amount of each such Cash Advance (Fee:
Min. $10.00).
yo C1 CDGDeposit, we will assess a transaction
amount of each such Cash Advance (Femme: Min $10 00) dollar
If you make a Forei Transaction we will assess a
transaction fee (FINANCE CHARGE equal to 3.00% of
the U.S. dollar amount of each such oreign Transaction.
This is in addition to any other applicable transaction fees.
If you obtain an Overdraft Protection Cash Advance, we will trans
equal 3.00% of the U.S. dollar fee ( Da ung aech suucchRC ash Advance
(Fee: Min. $10.00).
If you make a Wire Transfer Purchase, we will assess a
transaction fee (FINANCE CHARGE) equal td 3.00% of
the U.S. dollar amount of each such Purchase (Fee: Min.
$10.00).
ACCOUNT FEES: The following fees are assessed as
Purchases in the Billing Cycle in w ch the fees accrue:
A Late Fee if the Total Minimum Payment Due shown on
your mo statement is not received by us on or before
rts Pa3het ment Due Date. On the Late Fee transaction date:
• totaloutstandin balance is $100.00 or lose,
ate Fee will be $.00;
• if the total outstanding balance is eater than
100.00 but $250.00 or less, the Late Fee will be
29.00;
• the total outstanding balance is eater than
$250.00, the Late Fee will be $39.h9.
A Returned. Payment Fee of 8$39.00 if a payment on your
account is returned for ineumocfent funds or for any other
reason, even if it is paid upon subsequent presentment (if
we elect to re-present the payment).
A Returned Access Check Fee of $39.00 if we return an
access check unpaid for any reason, even if the access check
is paid upon subsequent presentment. nthl saless diraftft,of a xcep fothat thepysix most recent ?monntthly
statements and one sales draft will be provided for free.
An Abandoned Proerty Fee equal to any costs incurred b
us forbicoommp'Vng wi state abandoned property laws, unless
Prolu Y applicable law.
is linked to
ount "
If you obtain an ATM Cash Advance, we will ass wisn lsant of America ("checking ess a trap coons occur on your checking accounta,ccsuch as
transaction fee (FINANCE CHARGE) equal to 9.0096 of or of debits, that if paid would cause thtransaich!
the U.S. dollar amount of each such Cash Advance (Fee: account to W overdrawn
Min. $10.00). Overdraft protection transfers in a automatic tra
to cover checking account fees. Overdraft
If you obtain a Balance Transfer we will assess a transfers are processed after close of business N ro,
transaction fee (FINANCE CHARGE) equal to 3.00% of throng _ Friday and are treated as overdraft Prot
the U.S. dollar amount of each such Balance Transfer (Fee: Cash AAddvanees. Each day's overdraft transactions q
Min. $10.9). totaled and rounded. to t7se next $100 (E25 if you c
Your checking account in washingtoa or Idaho: 60 i
If you obtain a Beak Cash Advance, we will assess a checking account is opened with ? ilitauy Banff mer
transaction fee (FINANCE CHARGE) equal to 3.0091 of t, to your available credit limit, regardless of who - I
the U.S. dollar amount of each such Cash Advance (Fee: t overdraft transactions. For example, if your ni
Min: $10.9). account has a balance of $i.00 and a check or other
if item for $126 is presented for payment, which if paid
transoaction feee (FINANCE CH RGI?) equal uo 3 oce09?6 f p=oee tection tramf $2OOaccount willb be made too ' your°vthee
account and an O
will post to this a
this account must
overdraft transact
day) rounded to tl
Hinny the
credit is i
be round
the over
whole dos
?erdraft Protection Cash Advance of $200
:count. The amount of available credit on
be sufficient to cover the total amount of
ions (received by Bank of America that
e next $100 increment (but excluding any
m fee)- otherwise one or more of the
Lions ?or that dax will be rejected.
Bailable credit on tl account is greater
t transaction amount, but the available
it for the overdraft transaction amount to
next. $100 increment, then the amount of
amount of your availat
.e accrued finance chaj
e.) We may permit or
tection transfer that wo
tit on this account; but i
an Overlimit Fee durb
insfer occurs. s oven
icaliv be canceed if th
ded to the highest
:redit. fund in such
may ruse to result
any
cause you to exceed
permit it, you may
:he billing cycle in
either you or us, or at any time upon your request. Your
overdraft transactions remain subject to the terms of our
checking account with Bank of America, any related
enrollment agreement, and this Agreement.
SIGN YOUR CARD
You should sign your card before you use it.
E Y MONITOR AND RECORD TELEPHONE
You consent to and authorize Bank of America, any of its
affiliates, or its marketing associates to monitor and/or
record any of your telephone conversations with our
representatives or the representatives of any of those
companies. Where you have provided a cell phone number
directly to us, or placed a cell phone call to us you consent
and agree to accept collection tails to your cell hone from
us. For an teI hone or cell phone calls we place to
you consent and agree that those calls may be automatmc?y
dialed Iand/orpuspe?recorded essages.
SAARING INFOR AT ON AGENCIES; COLLECTING AND
You authorize us to collect information about you in order
to conduct our business and deliver the top quality service
you expect, including information we receive about you,
information we receive from third parties such as credit
re orting agencise and information about your transactions
with us ant other companies, You authorize us to share
such information abou you or your account with our
affiliates and others.. You may have the right to opt out of
so information sharing. For more details, please refer to
our Privacy Policy.
If -you believe we have furnished inaccurate or incomplete
information about you or your account to a credit rep
MN:. ite to us at: FIA Card Services NA.,
ALencies, P.O. Box 17054, Wilmington, D
ease include your name, address, home phone
number, and account number, and explain what you believe
is inaccurate or incomplete.
PURPOSES FOR USING YOUR ACCOUNT
You may use your account for personal, family, or household
purposes. You may not use your account for business or
C no al?urposes. You may not use a Balance Transfer,
or ash Advance, or any ether Cash Advan to
make a payment on this or any other credit account wi us
or our of Iltates. You may not use or permit your account to
be used to make any illegal transactUn. You will only use
your account for transactions that are legal where you
conduct them. For example, Internet gambling transactions
may be illegal in your state. Display o a payment I?
by an online merchant does not mean that an ?ternet
transaction is legal where you conduct it. We may cliarp
your account for such transactions. We will not be Uab1eif
you engage in an illegal transaction. We may deny
authorization of any transactions identified as Internet
gambling.
PERSONS USING YOUR ACCOUNT
If you permit any person to use your card, access checks,
account number or other credit device with the
authorization to obtain credit on your account, you mag be
liable for all transactions made by that person inclu ing ti
transactions for which you may not have intended to be
liable, even if the amount of those transactions causes your
credit limit to be exceeded. Authorized users of this account
ma have the same access to information about the account
and its users as the account holders. We may send account
materials (cards, statements and noti
m cess
thosi? maateri'alsls top the person will liable parrtie an todeaautlh liable
oriz
users. Notice to any of you will be considered notice to all of
you. You may allow authorized users on your account in the
following ways: (1) b notifyingg us that you want someone
added to your account' as an authorized user- (2) by lending
your card or account number to another; or (I) by any other
ways in which you would be legally considdered to have
allowed another to use your account or to be le y
prevented from denying that you did so. You must t?Ir
care f% before you allow anyone to become. an authorised
user. Sy doing so, you authorize the person to use your
account to the same extent you can including but not
limited to making any purchases, calk advances, balance
transfers and alRowng others to use your account. Your
account does not permit you to limit the nature or amount
of authority you give to any authorised user and you wiR
attempt to do no. An authorized user's authority will
continue until you both notify us that you are terminating
the authority and you physically retrieve the card. If you
cannot retrieve the card,: you will remain liable for any
transactions that we cannot prevent after you notify us.
YOUR PROMISE TO PAY
You promise to pay us the amounts of all credit you obtain,
which includes all Purchases, Cash Advances, and Balance
Transfers. You also promise to pay us all the amounts of
finance charges, fees,. and any other transactions we charge
to your account. If a bank branch or office sponsors your
account, you promise to pay it any unpaid account balance
it pays us within 30 days.
PAYMENTS ON YOUR ACCOUNT
You must pay each month at least the Total Minimum
Payment Due shown on-your monthly statement by its
Payment Due Date. Your ayment Due ate may vary from
month to month. Payments must conform to the
requirements set out on that monthly statement; these
requirements may vary without prior notice. You may pay
the entire amount you owe us at any time. Payments made
in any billing cycle that are greater than the Total
Minimum P yme Due will not affect your obligation to
make the next Tonttal Minimum Payment Due. If you overpay..
or if them to a credit balance on your account, we will not
pay interest on such amounts. We will 'ect payments that
are not drawn in U.S. dollars and I= drawn on a
financial institution located outside of the United States.
We reserve the right to act any payment if your account
has a credit balance as of, day we receive that payment.
Gen credits to your account, such as those generated
by me is or by person-to-person money transfers are
not treated as payments and will not reduce your fiotal
Minimum Payment Due.
ACH PAYMENTS
We process most payment checks electronically. We use the
information on your check to create an electronic Pondo
transfer. Each time you send a you authorize a
one-time el "c funds transfer. You authorize us to
P-rocQu you. - as a check or paper draft, as necessary.
Funds may be con from your account as soon as the
same day we receive your payment. You will not receive
cancelled check because we amp required to destroy it.
Ve will retain an electronic copy. For more information or
to atop the conversion of your checks into electronic funds
yyour moon ssttaatemtent. Moue number listed o the 8ro P O &IN
to us at: Bos 15019, fbmiington, D$ 19865019.
TOTAL MINIMUM PAYMENT DUE
You may pay your total outstanding balance at any time.
'M
continued)
Each billin.g cycle, you must pay at least the Total Minimum elect to honor it upon presentment or return it uncredited
Payment ue shown on your monthly statement by its to the erson that presented it, without in either case
Payment Due Date. The Total Minimum Payment Due is waiting or the date shown on the check. We are not liable
the sum of all past due amounts plus the Current Payment. to you or any lose or expense incurred by you arising out of
thd
action we elect to take
The Current Payment for each billing cycle includes three
amounts: (1) 1.00% of your balance (your New Balance Total
except for any new Periodic Rate Finance Charges, and Late
Fee), and (2) new Periodic Rate Finance Charges, and (0
new Late Fee. Generally, the lowest it will be is $15.00. We
round the payment amount down to the nearest dollar. If a
payment is credited toy ur account but is returned un aid
in a later billing We we will recalculate the Total
Minimum Payment Due for the billing cycle in which the
payment was originally credited.
WHEN YOUR PAYMENT WILL BE CREDITED TO
YOUR ACCOUNT
We credit paymenta as of the date received, if the payment
is: (1) received by 5 p.m. Eastern time; (2) received at the
addrove shown in the upper left-hand corner of the front of
your monthly statement; (3) pail with a check drawn in
U.S. dollars on a U.S. financial institution or a U.S. dollar
money order, and (4) sent in the return envelope with only
the op portion of your statement accompanying it.
Payments received after 5 m. Eastern time on any including the Payment Due 7Date, but that otherwise mee
the above requirements, will be credited as of * next day.
Credit for any other payments may be delayed up to five
days.
HOW WE ALLOCATE YOUR PAYMENTS
We will allocate your payments in the manner we
determine. In most instances, we will allocate your
payments to balances (including transactions made after
your latest statement) with lower APRs before balances
with higher APRs. This will result in balances with. lower
APRs (such se new balances with promotional APR offers)
being paid before any other existing-balances.
PROMISE TO PAY APPLIES TO ALL PERSONS
All persons who initially or subsequently request, accept,
guarantee ar use the account are individually and together
responsible for any total outetandu1n?gg balance. If you and
one. or more ppeersoae are responsible to pqy 'any total
outstandi?baIance we may refuse to release any of yrou
from Iisbilz until a'll of the cards, access checks and other
credit devices outstanding under the account 'have been
returned to us and you reppay ue the total outstanding
balance owed to us at any ?tme under the terms of this
Agreement.
DEFAULT
You will be in default of this Agreement if (1) u fail to
make any required Total Minimum Payment .Due by its
Payment Due Date; (2) your total outstand balance
exceeds your credit limit; or 83) you fail to abide by any
other term of this Agreement. oOur failure to exerdse any of
our rights when yyoou default does not mean that we are
unable to exercise -those rights upon later default.
WHEN WE MAY REgMIE I116iMEDIATE REPAYMENT
If twin default, an in addition to our other remedies
unTer Agibemeny' we can require immediate payment
of your total outstanding balance and, unless prohibited by
a licable law and except as otherwise provided under the
titration and Litigation section of this Agreement, we can
r yon to pay the costs we incur in any collection
prr:e, sa well as reasonable attorneys' fees if we refer
your acscount-for collection to an attorney who is not our
OTHER PAYMENT TERMS
We can accept late payments, partial payments, or
payments with any restrictive writing without losingg any of
our rights under this Agreement. This means that no
payment, incIu?? those marked with "paid in full" or with
an other restrictive words, shall operate as an accord and
satisfaction without the prior written approval of one of our
senior officers. You may not use a postdated check to make
a payment. If you do postdate a payment check, we may
PAYMENT HOLIDAYS AND REDUCED PAYMENT
OFFERS
We may allow you, from time to time, to omit a monthly
payment or make a reduced ?ppayment. We will notify you.
when these options are avails le. If u omit a pa .. t or
make a reduced payment, finance charges applicable fees,
and other regular transactions, if any, will accrue on your
account balances in accordance with this Agreement. The
reduced payment amount may be less than your finance
charges. You must make the reduced payment on time to
avoid a late fee. You must resume ng your regular
Total Minimum Payment Due each month fouowing a
payment holiday or reduced payment offer.
YOU ATTEMPT TO EXCEED
The total outstan balance on your account plus
authorizations at a."nv - must not be more than your
credit limit. If you attempt a transaction which results in
your total outstanding ? balance (plus authorizations)
exceeding your credit liaut, we may: (1) permit the
transaction without raising your credit Iimit; (2) permit the
transaction and treat the amount of the transaction that is
more than the credit limit as immediately due; or (3) refuse
to permit the transaction.
If we refuse to permit the transaction, we may. advise the
person who attempted the. transaction that it has been
refused If we raft 5w to permit a Check Cash Advance or
Balance Transfer we may do so by advising the person
F resentin , the Check Cash Advance or Balance Transfer
hat credit has been refused that there are insufficient
funds to pay the Check Cash Advance or Balance Transfer,
or in any other manner.
If we have previously permitted you to exceed your credit
limit, it does not mean that we will permit you to exceed
your credit limit again. If we decide to permit you to exceed
your credit liml which could r a promotion turn-off
?n we may stso charge an Ovmit Fee as provided in AgreemeAt.
WE MAY AMEND THIS AGREEMENT
We may amend this.. Agreement at any time. We may amend
it by addle deleng, or changing provisions of this
mint. le may increase or decrease any or all of your
which eexce ythe De efaultt Rate 1 When weamamend rates
tis
Agreement we will comDly with the annheahla nntim
rc uli'tlmume m zeaerar ana Lelaware law that are
at that time. The amended Agreement (including ar
rate or other higher cbarrm ar faml -11 ¦nnly *n
"m am uumenr: nocame eznectuve. u as amendment gives
you the opportunity to reject the change, and if yyoou reject
the chance in the manner provided in such amendment, we
may terminate your right to receive credit and may ask
you
ion.
to return alb credit devices as a condition of your We may replace your card with another card at any tune.
WE MAY SUSPEND OR CLOSE YOUR ouA?CCOUNT close tereminnaatye ?riNd right toe your aunt. We may do this a
any time and for any reason. Your obligations under this
Agreemea continue even after we have one this. You must
dest? all when was ress cht ? or other credit devices on
the YOU MAY CLOSE YOUR ACCOUNT
You may close your account by notifying us in writing or by
telephone, and destroying all cards, access checks or othr
credit devices on the account. Your obligations under this
Agreement continue even after you have done this.
TRANSACTIONS AFTER YOUR ACCOUNT IS
CLOSED
When your acco
authorized to c
internet service
companies. Them
to your account
believe you have
to use your acco
account, we may
account.
ant is closed, you must contact anyone
barge transactions to your account, such as
providers, health clubs or Maurance
ae transactions may continue to be charged
until you change the billing. Also, if we
authorized a transaction or are attempting
unt after you have requested to close the
allow the transaction to be charged to your
REFUSAL TO HONOR YOUR ACCOUNT
We are not liable for any refusal to honor your account.
This can include a refueal to honor your card or account
number or any check written on your account. We are not
liable for an retention of your card by us, any other
financial institution, or any provider of goods or services.
HOW YOU MAY STOP PAYMENT ON AN ACCESS
CHECK
You may request a stop payment on an access check b
providing us with the access check number, dollar anioua
and payee exactly as they appear on the access check Oral
and written stop pa ant re queats on an access check are
effective for six months from the day that we place the stop
payment.
YOU MAY NOT POSTDATE AN ACCESS CHECK
You ma not issue a postdated access check on your
account it you do postdate an access check, we may elect to
honor it upon resentment or return it unpaid to the person
that presented it to us for payment, without in either case
waiting for t1r date shown on the access check. We are not
liable to you for any loss or expense incurred by you arising
out of the action we elect to take.
TRANSACTIONS
If you make a
use, into a
conversion rate to
rate or (2) a Bove
prior to the proces
effect on the pros
effect on the trans
C IN FOREIGN CURRENCIES
Lion in a foreign currency, the
verted by Visa International or
depending on which card you
amount in accordance with the
conversion procedgres.in effect at
in is processed. Currently, those
ores provide that the currency
d is either (1) a wholesale market
'-mandated rate in effect one day
te. The currency conversion rate, in
AAf.A rnAv AiffAr f nm tha rate in
or
benefits and services
services are not a p+
t to the terms and i
documents provided to you from tfine to time Dy or on
behalf of Bank of America. While any benefits or services
descrn in the revious sentence are not a part of this
Agreement, any be or dispute related to any such benefit
or service ahsll subject to the Arbitration an Litigapion
section of this Agreement. We may adjust, ado or delete
benefits and services at any time and without no ce to you.
WE MAY SELL YOUR ACCOUNT
We may at any time, and without notice to you, sell, assign
or transfer your account, an sums due on your account,
this yeement, or our rigs m to obligations under your
accoui or this Agreements to any person or entity. The
person or entity to wh we ml any such sale,
ant or transfer shall entiteWeto air of our rights
andTor obligations under this Agreement, to the extent sold,
assigned or transferred.
YOU MUST NOTIFY US WHEN YOU CHANGE YOUR
ADDRESS
We strive to lisp accurate records for your benefit and
ours. The post office and others may notify us of a change to
your address. When you change. your address, you must
notify us promptly of your new adress.
WHAT LAW APPLIES
This g7ment, is made in Delaware and we extend credit
to youm Delaware. This A meat is governed by the
laws of the State of Delaware without reward to its conflict
of laws principles) and by any applicable federal laws.
SETHEE PPRROV SIONS OF THIS AGREEMENT ARE
If any provision of this Agreement is found to be invalid, the
remauung provisions will"continue to be effective.
OUR RIGHTS CONTINUE
Our failure or delay in exercising any of our rights under
this Agreement does not mean that we are unable to
exercise those rights later.
UNAUTHORIZED USE OF YOUR CARD
Please notify us immediately of the loss theft or possible
unauthon'zed use of your account at 1.80U.789P01.
ARBITRATION AND LITIGATION
This Arbitration and Litigation provision appplies to you
unless you were Xiveu the opportunity to reject the
Arbitration and Litigation ppro?visions and you did so reject
them in the manner and timef?ame required. If you did
re,?ect effectively such a provision, you agreed that any
litigtion brought by you against us regarding this account
or this Agreement shall be Brought in a court located in the
State of laware.
Aay claim or dispute ("Claim") by either you or us against
the other, or a at the employees, agents or assigns of the
other, arising from or relating in any w to this Agreement
or any prior Agreement or your accounnt (whether under a
statu . in contract, tort, or otherwise and whether for
money damages, psnatties or declaratory or equitame renei),
-ball, upon election by either you or us, be resolved by
binding arbitration. The arbitrator shall resolve any Claims,
including the applicabilittyy of this Arbitration and Litigation
Section or the validity of the entire Agreement or any nor
Agreement except for any Claim chalri Ongg the validity of
the Class fiction-Waiver, which shall be decided by a court.
In addition, we will not, choose to arbitrate an individual
Claim that you bring against us in small claims court or an
equivalent court, if any. But if that Claim is transferred,
removod or appealed to a different court, we then have the
right to choose arbitration.
Arbitration shall take place before a single arbitrator and
on an individual basis without resort to any form of class
action. Arbitration ma be selected at any time unless a
ju ut has been rendered or the other party would suffer
substantial prejudice by the delay in demanding arbitration.
or
or unwuung to act as arburator, we may
nistrative and hearing fees which you are required to
W pursue a Claim in arbitration. -The arbitrator will
e who will be ultimately responsible for paying those
If file a claim against us, in no evenf will y be
red to reimburse us for any arbitration
nistr?artiv?e nn or at te would fees in an amount greater
i a staoo twiitthv jura sedict on. Claim had
resolved
Any arbitration hearing at which you appear will take place
within the federal judicial district that includes your billing
address at the time the Claim is feed. This arbitration
agreement is made pursuant to a transaction involving
te commerce and shall be ??oovveereed by the Federal
Arbitration Act, 9 L .S.C. §1 1-16 (° X2n. Judgment upon
any arbitration award may be entered in any court having
a'
(continued)
lurisdiction. The arbitrator shall follow existing substantive
aw to the extent consistent with the FAA and applicable
statutes of limitations and shall honor any claims or
privileeggee recognized by law.. If any party requests, the
arbitrator shall write an opinion containing the reasons for
the award.
No Claim submitted to arbitration is heard by, a jury or may
be brought as a class action or an a private attorney
general. You do not have the right to act as a class
representative or participate as a member of a class of
claimants with respect to any Claim submitted to
arbitration (Claim Action Waiver). The parties to this
Agreement acknowledge that the Clams Action Waiver is
material and essential to the arbitration of any disputes
between the parties and is nonseverable from this
agreement to arbitrate Claims. If the Clams Action Waiver im
limited, voided or found unenforceable, then the arties'
agreement to arbitrate (except for this mentence)
null and void with respect to such proceeding, subject to the
right to appeal the limitation or invalidation of the
on Waiver. The Parties acknowled and agree that
under no circumstances will a class action be
arbitrated.
This Arbitration and Litigation Section applies to all Claims
now in existence or that may arise in the future. This
Arbitration and Litigation Section shall survive the
termination of your account with us as well as any
voluntary payment of the debt in full by you, any
bankruptcy by you or sale of the debt by us.
For the purposes of this Arbitration and Litigation Section,
"we" and "us" means FIA Card Services, N AL, its parent,
subsidiaries affiliates, licensees, predecessors successor,
assigns, an3 any purchaser of your account, anA all of their
officers directors employees, "agents and assigns or any and
all of E6m. Addihonally, "we or "us" shall mean any third
party roviding benefits services, or products in connection
v:nth he account (including but not limited to credit
bureaus, merchants that accept any credit device issued
under the account, rewards or enrollment services, credit
insurance companies, debt collectors and all of their offic?err?
directors, employees and agents) if and only if, such a third
party is named by you as a co-de?endant in any Claim you
assert against us.
automatically from your savings or checking account with
us, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three
business days before the automatic payment is scheduled to
occur.
Your Ri hts and Our Responsibilities After We
Receive four Written Notice: We must acknowledge your
letter within 30 days, unless we have corrected the error by
then. Within 90 days, we must either correct the error or
explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any
amount you question or report you as delinquent. We can
continue to bill you for the amount you questio?dm gg
finance charges, and we can ap ly a unp unt
against your credit limit. You do not?av to pay any are gstillstoibligated ton pay tthhee paartss p of your?gabillge. that ware notain
question.
If we find that we made a mistake on your bill, you will not
have to V? any_finance charges related to any questioned
amount. If we dtd not make a mistake, you may have to pay
finance charges, and you will have to make up any missed
payments on the questioned amount. In either case, we will
send u a statement of the amount you owe and the date
that i is due.
If you fail to pay the amount that we think you owe, we
may re ort u as delinquent. However, if our explanation
does not sat? you and you write to us within twenty-five
(25). days telling. us that you still refuse to pay, we must tell
anyone we re rt you to that you have a question about
your bill, and?we must tell you the name of anyone we
report you to. We must tell anyone we report yoto that
the matter has been settled between us when it finally is.
If we do not follow these rules, we cannot collect the first
$50 of the questioned amount, even if your bill was correct.
Special Rule for Credit Card Purchases: If you have a
problem with the quality of the property or services that
you purchased witsi a credit card, and you have tried in
good faith to correct the problem with the merchant, you
may have the right not to pay the remaining amount due on
the property or services. There are two limitations on this
right
(1) You must have made the purchase in pour home state
or, if not within yyoour home state, within 100 miles of your
current mailing address; and
(2) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the
merchant, or if we mailed you the advertisement for the
property or services.
YOUR B1T.LINU} RIGHTS 02007 Bank of America Corporation. All rights reserved.
Keep This Nottttce for Future Use-This notice contains
important information about your rights and our
responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors or Questions About Your
Bilh If you think your bill is wrong, or if you need more
information about a transaction on your bill, write us on a
separate sheet
yo (o use a cop of the form provided on our
biII at Bask of America corporation, F.O. Bo: 15026,
Wigton, DE 19860. Write to us as soon a4 possible. Do
not Benda the notice on ar with your payment. We moat hear
o later t
rb
on hich the hone but doiletter, give us the follow?n? information: (1) your name
and account number, (2 the d0Ilar amount of the suspected
error. (3) the posting late of the transaction in question;
and ?4j a description of the error and an explanation, if you
can, oorr why you believe there is an error. If you need more
information, describe the item you are not sure about.
If you have authorized us to pay your credit card bill
VERIFICATION
I, JESSICA SNODGRASS
hereby depose and state that:
The language of the foregoing document is that of counsel and not necessarily my
own; however, I have read the foregoing document and the factual information
contained therein is true and correct to the best of my personal knowledge.
I am the Authorized Representative and a duly authorized representative of the
plaintiff;
The factual allegations set forth in the foregoing pleading are true and correct to the
best of my knowledge, information and belief, and they are that JAMES E.
GILLILAND owes the balance of $7,717.8 1 to CACH, LLC on previously
submitted invoices, which balance is due and unpaid as of the date of the execution
of this Verification.
I am aware that if any of the foregoing is willfully false, I am subject to punishment.
I understand that false statements made herein are subject to the penalties relating to
unsworn falsification to authorities.
By:
Authorized Representative
Dated: FEB 0 5 2009
PA 5.15.08
F
OF TviE ay
L y ti C.li G ?J
4`78.60 QD AT"
cv.v .o'1 oaq
p, "us Jo y
Sheriffs Office of Cumberland County
R Thomas Kline
Sher
~~~~ti,~r of t~~~~u,b~rr~~tr~
4F~E~E v~F r~6 5rER1FF
t-lLE,.~-- ~ ,_ J,
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
Cach, LLC
vs.
James E. Gilliland
Case Number
2009-4764
SHERIFF'S RETURN OF SERVICE
08/07/2009 02:56 PM -Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on
August 7, 2009 at 1456 hours, she served a true copy of the within Complaint and Notice, upon the within
named defendant, to wit: James E. Gilliland, by making known unto himself personally, defendant at
19626 Fry Loop Avenue Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same
time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $33.40
August 10, 2009
. S~O ANSWERS,
R THOMAS KLINE, SHERIFF
e,~
Deputy Sheriff
w
" ` ti ~.`.
~;
Law Firm of Allan C. Smith, P.C.
Attorney L.D. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399// (215) 428-0666
Attorney for Plaintiff
L_ L.
T~.~~ i'~~7HQN~JTAt~'r'
cui~ ~~1~ ! 3 P~ 2~ 27
r~Vl~Ek\~N1~~ CQV~1 ~i
~EhNSYLVANIA
CACH, LLC.
4340 S. MONACO STREET, 2"D FLOOR
DENVER, COLORADO 80237
Plaintiff(s),
vs.
JAMES E GILLILAND
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLV
Docket No: 2009-04764
PRAECIPE TO ENTER JUDGMENT BY
DEFAULT
TO THE PROTHONOTARY:
Please enter a Default Judgmf:nt in favor of plaintiff, CACH, LLC, and against tlke
defendant(s), JAMES E GILLILAND, for failure to answer or otherwise respond to tl~e
Complaint in Civil Action.
The Complaint was served upon the defendant(,s) on August 7, 2009. A copy of tl~e
proof of service is attached hereto as Exhibit "A".
A copy of the Notice of Intention to take Default mailed to defendant(s) JAMES E
GILLILAND by regular United States mail, postage paid, on July 18, 2012, is attached here~o
as E7
Assess damages in the amount of $ 7,046.47 as follows: [ 1] $11,246.47 being sought ~n
the Complaint; broken down as follows: [a] $ 7,717.81 principal; [b] and $1,806.60 inter~st
being sought in the Complaint; [c] and reasonable attorney's fees of $ 1,543.56, or $ 150.00 per
hour, [d] and Court Costs of $178.50; [e] MINUS $4,200.00 previously paid by the DefendantG
Date: August 9, 2012
B y. ~ Z.~ ~ .~~, ~ /t,xc
or~~ . ~~ronnagel, Esquire
ornev LD. No. 313173
~ ~~. ~~ ~~
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Law Firm of Allan C. Smith, P.C.
Attorney I.D. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399// (215) 428-0666
Attorney for Plaintiff
CACH, LLC.
4340 S. MONACO STREET, 2"D FLOOR
DENVER, COLORADO 80237
Plaintiff(s),
vs.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL
Docket No: 2009-04764
JAMES li; GILLILAND
s -.
CERTIFICATE OF SERVICE OF
NOTICE OF INTENT TO FILE
PRAECIPE TO ENTER JUDGMENT BY DEFAULT
I, ~CORRYN L. KRONNAGEL, ESQUIRE, of full age, certify that I mailed a copy of t~e
annexed NOTICE OF INTENT TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAUI~.T
upon defendant JAMES E GILLILAND by regular United States mail, postage prepaid and ~y
certified mail, return receipt requested., on July 18, 2012 at his/her last known address of: ',
1962B Fry Loop Avenue
Carlisle, PA 17013-4602
Date: August 9, 2012
-_.
1SIVIlIIA~'Cl, J/Jt~UlIC
I.D. Na. 313173
Law Firm of Allan C. Smith, P.C.
Attorney LD. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399// (215) 428-0666
Attorney for Plaintiff
CACH, LLC.
4340 S. MONACO STREET, 2"D FLOOR
DENVER, COLORADO 80237
Plaintiff(s),
vs.
JAMES E GILLILAND
s
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Docket No: 2009-04764
CERTIFICATION OF NON-MILITAR1Y
SERVICE
I, Corryn L. Kronnagel, Esquire of full age, certifies as follows:
1. I am the plaintiff's attorney herein, and have sufficient knowledge of the facts and am ',
fully authorized to make this Certification;
2. My information is that the defendant is JAMES E GILLILAND.
3. Our latest information is that the defendant is employed at unknown. ',
4. To the best of my information and belief, the Defendant is not a member of the military
services of the United States of its allies or otherwise within the provisions oft e
Soldiers' and Sailors' Relief Act of 1940, as amended, and as stated in the attach d
Department of Defense Manpower Data Center reports.
5. This certification is taken subject to the penalties of 18 PaCSA 4904 relating to unswo~n
falsification to authorities. ''
Date: August 9, 2012
B y:
~nnagel, Esquire
No. 313173
Exhibit "A"
Sheriffs Ofti~;e of Cumberland County
R Thomas Kline
Sheriff , L.~tittr 61 CumGrrtr~le
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant "'c_E -'`'"` "°F'FF
Edward L Schorpp ',
Solicitor
Cach, LLC Case Number
vs. 2009-4764
James E. Gilliland
SHERIFF'S RETURN OF SERVICE
08!07/2009 02:56 PM -Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states That on
August 7, 2009 at 1456 hours, she served a true copy of the within Complaint and Notice, upon the withi}
named defendant, to wit: James E. Gilliland, by making known unto himself personally, defendant at ',
19626 Fry Loop Avenue Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same,/
time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $33.40
August 10, 2009
SO ANSWERS,
~'
R THOMAS KLINE, SHERIFF
~' -
Deputy Cheriff
Allan C. Smith, Esq.
Attorney LD. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399 // (215) 428-0666
Attorney for Plaintiff
CACH, LLC COURT OF COMMON PLEAS
Plaintiff, CUMBERLAND COUNTY
~. No. 20(19- 4764 CIVIL
JAMES E. GILLILAND NOTICE OF INTENT TO
Defendant FILE PRAECIPE TO ENTER
JUDGMENT BY DEFAULT
To: JAMES E. GILLILAND
1962B FRY LOOP AVE
CARLISLE, PA 17013-4602
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITT N
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH T
COURT YOUR DEFENSES TO THE CLAIMS SET FORTH AGAINST YOU. UNLE S
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGME T
MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LO~E
YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DON T
HAVE A LAWYER OR CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFI~E
SET FORTH BELOW TO FIND OUT' WHERE YOU CAN GET LEGAL HELP.
Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
Dated: July 18, 2012
Law Firm of Allan C. Smith, P.C.
Attorney I.D. 204756
Bucks County Office Center
1276 Veterans Highway, Suite E-1
Bristol, PA 19007
1-888-275-6399// (21S) 428-0666
Attorney for Plaintiff
CACH, LLC.
4340 S. MONACO STREET, 2ND FLOOR
DENVER, COLORADO 80237
Plaintiff(s),
vs.
JAMES E GILLILAND
TO: JAMES E GILLILAND
2007 DOUGLAS DR
CARLISLE, PA 17013
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL
Docket No: 2009-04764
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified a
a Judgment has been entered against you in the above proceeding Indic d bel
~I(3~n- gy. ~ ',
Clerk
C~ Judgment by Default
Money Judgment
Judgment in Replevin
Judgment for Possession
Judgment on Award of Arbitration
Judgment on Verdict
Judgment on Court Verdict
If you have any questions concerning the above, please contact:
s
Attorney: Corryn L. Kronnagel, Esquire at (215) 428-0666 or toll free at (888) 275-6399