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Home My WebLink About09-5539I CERTIFY THE WJAS BE A TRUE COPY OF INAL FILED IN ATTORNEY FOR PLAIIVTIFF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 Attorney for Plaintiff 400 Market Street Suite 600 Philadelphia, PA 19106-2513 (215) 928-1400 CUMBERLAND COUNTY CAPITAL ONE BANK COURT OF COMMON PLEAS CIVIL DIVISION 4851 COX ROAD GLEN ALLEN, VA 23060 VS. 1 TERM. JOSEPH P MCCANN 116 POPLAR RD NEW CUMBERLND PA 17070 , No. (? - 539 ivy l ?erM CIVIL ACTION "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 M days after this complaint and notice are served, by entering a written appearance personally or by attorney and tiling in writing with the court your defenses or objections to the chins 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 en- tered against you by the court without further notice for any mon- ey clamed in the complaint or for any other claim or relief request- ed by the plairM. You may lose money or property or other rights important to you. "AVISO "Le han demandado a usted on In corte. Si usted quiere defenderae de sobs denandas expuestas an las pdginas siguientes, usted time veite (20) dies, de piazo al patir de Is fecha de Is demands y Is nodfkaci6n. Haoe faka asenter ura oomparencia esaite o on persona o con un abogado y entregar a is oorte an fours escrita an debroas o sus objeciones a las demandas on contra de su persona. Sea avisado que si usted no se defiende, la corte tomard medidas y puede oortinuar In denanda on contra suya sin prevlo aviso o notUfaci6n. Ademis, In corte puede decidir a favor del demandate y requiere que usted cumpla con todas las provisions de esia demands. Usted puede perder dinero o sus propiededes u otros derechos importantes pare usted. 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 Court Adminstrator Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. Si NO T1ENE ABOGADO O SI NO MENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFlCINA CUYA DIRECCI6N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) JOSEPH P MCCANN is/are individual(s) residing at: 116 POPLAR RD, NEW CUMBERLND, PA 17070. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4305722158314370. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 6. Plaintiff's predecessor in interest assigned to the Plaintiff all of its right, title and interest in and to its account with Defendant(s) so that Plaintiff is now the owner of said account. 7. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $7,278.10 $1,191.59 $8,469.69 8. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $8,469.69 together with interest and costs. HAYT By: Attorney for Plaintiff 0 Lodk in a low FIXED 7.89 OAPR* today 59691s with a Home Equity Loan from Capital One? ¦ ConsoUdsts debt. make home ¦ 100%tale4eduttlbls Inumd improvements, pay car loans-you choose (check with your tail adviser) ¦ One your loan In to days w bus ¦ So dedeg cost options avdiAb tall your Penwad Mom Loan Consulbr8 tedayl Prefer. ad Cus6omar Number: 1-800-760-2493 8158 028 323 0238 Mon-Fri 8 a.m.-8 p.m. and Sat so a.m.-4 p.m. EST Capital One is an Equal Housing Lender. Or apply online at www.apitalanoMmeWans.com 11211 egrdmw?diiy?9oM,tiN'?,mdi?o??00 ?Wllwd4?wl?iM?¦+wOppli.?w?loadetaW6?p?.?t?.ien?i Maarr PLATINUM VISA ACCOUNT 4305-7221-5831-4370 AUG 24 - SEP 23, 2006 Page 1 of 1 Account Summary Payments, Credita and Adjustments Previous Babece $280.88 1 06 SEP PAYMENT RECEIVED - THANK YOU $30.00- Payments, Credit and Adjustments $30.00 - -- - -- Pism?daos - -- - - - --- SM.15- T?iamac'notu -_--- -- -_ --- --------- ----- - -- Fimnce Charges $5.91 2 23 AUG MON ACCIDENT IN 800-S27-9767 08/24-09/24 $2.7S New Balance SSIS.94 3 26 AUG SWINSURANCE 800-S27-9027 TX 7.9$ Minimum Amount Due $24.00 4 18 SEP TRl-COUNTY MEM 5674 7179383435 PA 544-50 Payment Due Date October 23, 2006 5 23 SEP PAYMENT PROTECTION 1-888-527-6904 3.95 Total Credit Liao $7,500 NOTICE: Look foe a new statement design for your Capita One credit card beginning am month. Total Available Credit $4684.06 A summary ofthe key changes will be provided with yew new statement Credit Line for Cash $975 Available Credit for Cash $975.00 At vour service T. mil Gunnar AaLtieas r m raP"t • but r "oLn cud: 1-SM-903-3637 For Eve *dos account "rife and,pend awomer offan, 4 on ma www.fapilaMnaom Sod Paymab rx Send ingai,iu tea Arm: Remiaanes ProcaWna Capital One Bank Cupid Oft P.O. Bas 70884 P.O. Bus 30215 Ckad"n, NC 29271-0884 SLC, UT 84130-M Important Account Information Beginning October let, 2006, based on yon account activity you maybe evened more thaa two Lee, ovalimit, or temrned check fan that occur during any billing permd. Finance charges Plaverrreverse Akforiassartmet isrmdm Bd rorlr Pr:& Cwnme.dur iH rm APR _ iG aPjfieJ» PURCHASES 8393.22 .049MP ILIS% u.91 CASH too .06573HP 2399% 8.60 ANNUAL PERCENTAGE RATE applied this period 19.15% PLEASE RETURN PORTION BELOW WITH PAYMENT G 0000000 0 4305722158314370 23 0815940030000024008 PLrrlriet woi/iYeJiaa awatrwawaoirMpi k/ew arwj?6,w16r4 ia! New Balance $815.94 Minimum Amount Due $24.00 Payment Due Date October 23, 2006 Total enclosed $ AaoeatNmmbw 4305-7221-SIM-4370 Capital One Bank P.O. Box 70884 111,•11,1.111111111911 Charlotte, NC 28272-0884 soon apt a My Snm ZIP Hmae Plc" Aleee.ae PM" Y Bad Adder $9026782954685370$ MAIL ID NUMBER Jal? JOSEPH P MCCANN r o 116 POPLAR RD 1 a HEN CUMBERLND PA 17070-3427 r ° ? ?u1???111???111?111???nu1l'ulu'11I1'1u11911111"uuflll ENMIT A Maur tarieryaev rmrnt aew,lw on yara$r! ar n omy rdn xw& jyai4» Co#td Oari9aak cad alai/ in the sat6radrawlVa 500018 V)7 7SSST... Capital One" does credit cards-and then sorrel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and 1 to manage your account online. cap>hd/Qryg' I whatIs in your wallet? FINANCE Pwilous Balance Paymu tR & Credits CHARGE Transactions New Balance Minimum Payment Due Dab $4,680.02 - $150.00 + $68.50 + $188.89 $4,787.51 $143.00 Oct. 26, 2007 ra, Sep. 02, 2007 -Oct. 01, 2007 Page 1 of 1 MDR Res AT LUST 14% AAAMW Via Platinum Account 13057221-M-437e Your Account Information TOTAL CREDIT LINE 57,500.00 TOTAL AVAILABLE CREDIT $2,712.49 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $2,712.49 -11 FFInance arges (Place ass reverts for bporw wormatlon) Babnce rNe Pwkxk Congo appled b rats A CHARGE $4,850.08 0.04904% P 17. 90% $00.50 $0.00 0.08504% P 23.74% $0.00 CENTAGE RATE applied this period: 17A0% ® At Your Service 1400003.3037 To d C+sbrrer ReMeoru orb sport a bd or ddin care: ® sww payagnrtt to. coped Ow Bask • P.O. Box 701184.OwWAe, NC 2Un-Ma4 A Bend OlqumNe lo: Cgft Ow • P.O. Box 30285 • Sae lab Cey. UT $41X0 = ® Have a Wedon about a charge on your abatement? Plwro War to dw Being Rob Summary on to back of your gigitement or visit Payments. Credits & Adiustments 1 14 SEP PAYMENT $150.00 Transactions 2 22 SEP MON ACCIDENT IN 800.527-9 767 09124-10124 $2.75 3 26 SEP IAB 800337-7017 8003377017 TX $154.96 4 28 SEP SBL'INSURANCE 1IMM-2923 TX $7.95 5 01OCT PAYMENT PROTECTION I-888-W- 04 $23,34 6056 506 1 07 1 071001 PAGE 1 of 2 OlDN6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE 0tw I vdW'sinyour wa6M7• New Balance Minimum Payment Due Date F $4,787.51 $143.00 Oct. 28, 2007 0 4305722158314370 01 4787510150000143005 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70864 lglgglgglgllginglrlggl Cha?lette. NC 26272-0664 IroLllgdrgg1.llfill rrlgulgrrlrrlrlrrlrrli11118111Lgill loll Account Number 4305-7221-5831-4370 Pillage print address or phone number changes below using brkw or black ink Address Nome Ilene ARemato Phone E-mag address 0 027S$29546053731i NAIL ID NUMBER JOSEPH P 11CCANN 336 POPLAR R1 NEV CUNBERLNa, PA 17070-3427 111116111Ilgnltgnll111111lln6r6o611Un1g,g1616rpoll EXHIBIT A 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. 500018 MP SSST.. . Capital One" does credit cards-and then some/ Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and 1 to manage your account online. C0~0nQ' I what's In your wallet? previous Babnee Payments 3 Credits; FINANCE + CHARGE Transactions New Balance Minimum Payment Due Date $4,787.51 $150.00 573.07 + $189.54 - 54,900.12 $147.00 Nov. 28, 2007 1 Oct. 02, 2007 - Nov. 01, 2007 Page 1 of 1 READ Mr AT UAA TM AM W Vba Platinum Account 130572213831.4370 Your Account Information TOTAL CREDIT LINE $7,500.00 TOTAL AVAILABLE CREDIT $2,599.88 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $2,599.88 FFInwceCh&rgn bwe eee ravens for Important btame0on) d brats Parbft rob CartesoorMlrp C URGE 6.56 0.04904% P 17..990% $73.07 0.00 0.06504% P 23.74% $0.00 E RATE applied thisperbd: 17.90% ® At Your Service 130048343837 To d O si mr RdWom orloRpal a IoM arMoan card: ® Send payments to Cap1M On Bea • P.O. Bea 70094 • Chalolls, NC 262n-0114 A Send inquiries to: CapNM Oes • P.O.8m 902es - SON Lab CRY, UT 84190-0210 ® Have a queNbn about 1 charge on your stalamelt? Plwe retar to )r Bang RI016 Summery on the beck of your stelarmt or vNN Paifnields. Credits 8 Adlustments 1 25OCT PAYMENT $150.00 Transactions 2 23 OCT MON ACCIDENT IN 900527-9 78710124.11124 $2.75 3 27 OCT SBVNSURANCE 900822.2923 TX $7.95 4 29 OCT IAB 800337.7017 8003377017 TX $154.95 5 01 NOV PAYMENT PROTECTION 13863273904 $23.89 6056 506 1 07 1 071101 PAGE 1 of 2 OIDN6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMEM ONLINE cmalwone' I what's in your vw"?' New Balance Minimum Payment Due Date F $4,900.12 $147.00 Nov. 26, 2007 4305722158314370 01 4900120150000147001 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P;:;,:::.70164 Irlrrlsallrrsll,llloll C, NC 28272-0884 InLllolur6llurlulalllurln66rlrrLdLrLdollrrdl Account Number. 4305-7221-5831-4370 Please print address or phone numbs changes below using blue or black ink. E-M" address a e9030782954685374e HAIL ID NUNHBR JOSEPH P NCCANN 33l POPLAR R) NEV CURBERX, PA 37070-3427 Irrrll6ullL.1...II1u...11. n6slrllsrr6ullrllun611 EXHIBIT A 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. 500016 7Capital Ones does credit carols-and then sorrel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and 1 to manage your account online. COji//a/One I what's In your wallet? FINANCE Previous Balance Payments b Credits + CHARGE Transactions Now Balance Minhnum Payment Due Dab $4,900.12 $150.00 $71.84 $190.08 -? ?J ? $5,012.04 - 3150.00 Dec. 26, 2007. Nov. 02, 2007 - Dec. 01, 2007 Page 1 of 1 KM as a uinr TM maw Vba Platinum Account 1307221.5031.4370 Your Account Information TOTAL CREDIT LINE $7,500.00 TOTAL AVAILABLE CREDIT $2,487.08 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $2,487.98 [Finffdamn nce Charges (Pleoe ails rerene for knpwtant Inbrmal on COTO F ) Billow rats Pwlmk FINANCE appled b rate R CHARGE $4,882.79 0.04904% P 17.00% $71.84 all $0.00 0.08504% P 23.74% $0.00 NNUAL PERCENTAGE RATE applied this perbd: 17.90% ® At Your service 14011-M3837 To d Ookaw Rddons or is mW a lap or pole card: ® Send payment to: CpM Ons Batik • P.O. Bak 70984.Owlads, NC 29272-0x4 A Send imukia to: CWM One • P.O. Box 3028 • Sag Lake W UT 04130-028 Have a que" about a dame on your stalmerd? Pleas rder to the Bake RWO Summary on the back d your statement or vid Payments, Credits 8 Adlustments 1 15 NOV PAYMENT $150.00- Transactions 2 22140V MON ACCIDENT IN 8006274 7671124-11124 $2.75 3 28 NOV IAB 800337-7017 800.3377017 TX $154.95 4 28 NOV SOVINSURANCE 800122-2923 TX $7.95 5 01 DEC PAYMENT PROTECTION 1.888.527-6904 $24.43 6056 506 1 07 1 071201 PAGN 1 of 2 OIDN6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CA.PRALONE.COM TO MAKE YOUR PAYMENT ONLINE ca~orle'I MWIinyour wallet?- New Balance Minimum Payment Due Date C$5,012.04 $150.00 Dec. 28, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 0 4305722158314370 01 5012040150000150007 Capital One Bank P.O. Box 701164 (919 9119119 9119 9119 9 91 Charlotte, NC 26272-0864 1111111691119!6111191 n191111111611911111111111111111111111911 Account Number. 4305-7221-5831-4370 Plea print address or phone number changes below using Mug or black ink Address Home PhorW Alternate Phone Email address 09033682954685373# MAIL ID NOMBER. JOSEPN P MCCANN 33? POPLAR R) NEW CURBERLNa, PA 37070-3427 91911191111199J1191119.9111LJ11L91911999L191LIL91119 E)GMIT q 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. S000118 MP SSST... Capital One" does credit carols-and then sorrel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle freel Visit capitalone.com for a complete list of services and 1 to manage your account online. Caprifa/ow I what's in your wallet? Previous Balance P FINANCE aymerhts 8 Credits CHARGE Transactions Now Balance Minimum Payment Due Dab $5,012.04 - $150.00 + $87.20 + S1,185.58 _ -$8,134.80 $184.00 Jan. 28, 2008 Dec. 02, 2007 - Jan. 02, 2008 Page 1 of 1 MW Rer AT LF M Tres AM W Vba Piaillnum Account 43b7221-MI.4170 Your Account Information TOTAL CREDIT LINE $7,500.00 TOTAL AVAILABLE CREDIT $1,385.20 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $1,385.20 FFInance Charges (Please we reverse for Important wormation) Balance 01111 PIN fdo CHARGE $5,718.45 0.04787% P17.40% $87.20 $0.00 0.06367% P 2324% $0.00 ERCENTAGE RATE applied this period: 17.40% Payments, Credits 3 Adiustments 1 15 DEC PAYMENT 5150.00• Transactions 2 11 DEC PDM INTL 5 877.3545485 TX $990.00 3 22 DEC MON ACCIDENT IN 890.527.8 767 12124-01124 $275 4 26 DEC IAB 800337-7017 800.3377017 TX $154.95 5 28 DEC SBVINSURANCE 800822-2923 TX PAS 6 02 JAN PAYMENT PROTECTION I-888.527-0904 $28.91 ® At Your Swvke 1400403.3837 To d Cudonr Rekems or to report a kid or dWo card. 0 Send payments to: Cep41 One flee; • P.O. Box 70864 .OArk&, NC 28272-0884 A Send Inquiries to: Coped One • P.O. Box 30285 • Sae Lake City, UT 841300285 Have a Wedon about a charge on your shlomera7 Please raw to Ohe Bang Rlghls Summery on be tack of your stubment or vbe 6056 506 1 07 1 080102 PAGa 1 of 2 OlDN6056 PLEASE RETURN PORTION BELOW WTTH PAYMENT OR LAG ON TO W W W.CAPrrALONECOM TO MAKE YOUR PAYMENT ONLINE cm~onr I whets in your wsanY New Balance Minimum Payment Due Date 58,134.80 5184.00 Jan. 28, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 4305722158314370 01 6134800150000184005 Capital Ono Bank P.:;,:::.701t4 1,6r116Nlrllrrlrl Ch. N28272-0114 LrLller6rrLlLrrlthlJlLNIrhLLtltrlrrllrrLrlhrllrhJl Account Number. 4305-7221-5831-4370 Please print address or phone number changes below using blue or black ink Address Nome Phone ARemate Phone Emil addren #9000382954695379# NAIL ID N0103RR JOIEPN P NCCANN 336 POPLAR R) NEW CUNBERLN). PA 37070-3427 rerIIIer.lOrerLrrlllrer,rllrJrrLdrllrrrLrrllrllrrrdr EXHIBIT A 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. 500016 mpSSST... Capital One' does credit cards-and then sorrel Need a car? A savings account? A loan? Braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of services and 1 to manage your account online. C'a7/>1IWOne' I what's in your wallet? FINANCE Prevlow Bell- lce Payments b Credits CHARGE TransaWom New Balance Minimum Payment Due Dale $8,134.80 - $185.00 + $87.59 + 540.33 _ $8,077.72 $182.00 Feb. 28, 2008 Jan. 03, 2008 - Feb. D1, 2008 Page 1 of 1 T nb11E Ref AT LIAR nal AM W Visa Platinum Account Credits & Adlusbnsrtts Payments 4306.T2714M401 , 1 24 JAN PAYMENT $185.00- Your Account Information Transactions TOTAL CREDIT LINE $7,500.00 TOTAL AVAILABLE CREDIT $1,422.28 2 23 JAW MON ACCIDENT IN 800.521-9767 01124-02124 $2.75 CREDIT LINE FOR CASH $7,500.00 3 26 JAN SBL'WSURANCE 806$72'2923 TX $7.95 AVAILABLE CREDIT FOR CASH $1,422.28 4 01 FEB PAYMENT PROTECTION 1-81184W5904 $29.63 Finance Charges rimse see reverse for important inform rim) Balance rats Periodic Conespon6rg FlNANCE appied to rate APR CHARGE Purchases $6,124.56 0.04767% P 17.40% $87.59 Cash $D.00 0.08387% P 21.24% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.40% At Your 8errke 1400.90SSe57 To d Caalow Reliance or to repel a bar cr sisYn cad ® Sall payment to: ® Capita Ora Bat- P.O. Bar 70884 • Chablis, NC 287724M A SNW Inquiries to: CeOW Orr P.O. Box 30285 • Sat tats Cay, UT B4130M ® Have a question about a charge on yaw atalewano Pleas refer to tihe Billing Right Summary on the beck of your sttment or Yell Inawcadialone.comideculas PLEASE RETURN PORTION BELOW WITH PAYMENT OR NOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4305722158314370 01 6077720185000182005 cm~ow I wMes kn your-ekt?' New Balance Minimum Payment Due Date C58,077.72 $182.00 Feb. 28, 2008 PRFA% PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 I11/1111111111111r1111 Charlotte. NC 28272-0884 111 11111811111 111111111 11111111111111111111 111111111111 Account Number. 4305-7221-5831-4370 Mesa print address or phone rumba changes below using bkw or black int. 090033829546853769 MAIL ID NUMBER JOSEPN P RCCANN 111. POPLAR RD NEW CURBERLND. PA 17070-3427 LuIILn11L11111dILIIIdLJoIIIIdIInrIIUILILr1hlJl EXMIT A 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. 500008 ~a ilex wallet? it could happen to anyone. Make sure you pay the amount JOSEPH P MCCANN due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES You"re behind, BETTER INTEREST RATES IL_ (good credit could mean lower interest rates) t payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) O 2008 Capital Ore Senior:, I= Capital Ow it s federally ngummd tender Starr('. All rosy raenvd FINANCE Previous Balance Payments b Credits CHARGE Trams On a New Belame Minimum Payment Due Date $6,077.72 - $2.75 + $84.64 + $38.00 $6,198.61 $367.00 Mar. 26, 2008 Feb. 02, 2008 - Mar. 01, 2008 Page 1 of 1 neuE ra/u tEiernlsawoiuu Via Platinum Account Your account is one payment behind. Remember that making your minimum payments by the due date 430&72214= 4570 keeps your account in good standing. Further missed payments may be reported to the national credit Your Account Information bureaus. So make sure you send in the minimum amount due to keep your account in good standing. TOTAL CREDIT LINE $7,500.00 "Important Notiod' Your aocau d was pmt due. Under the terms we previously disclosed to you, if your TOTAL AVAILABLE CREDIT $1,301.39 account is pmt due agem in the =it 12 bAng cycles, your Annual Parca top Rase (APRs) may CREDIT LINE FOR CASH $7,500.00 increase AVAILABLE CREDIT FOR CASH $1,301.39 . Payments, Credits & Adlustmelds Flnam Charges (Fame ace serene for important information) 1 02 FEB MON ACCIDENT IN 800.527-9 767 02/14-011 2 4 $2.75 Balance Mb Perio6c Carmpondrg FINANCE Transactions applecito rate APR CHARGE 2 26 FEB PAST DUE FEE $39.00 Purchases $6,122.43 0.04767% P 17.40% $84.64 Cash $0.00 0.08387% P 23.24% $0.00 You wars seemed a pmt due fee because you minimum payment wet not received by the due date. To ANNUAL PERCENTAGE RATE applied thin period: 17.10% avoid 5ie be in the future, we recommend that you slow at amt 7 businsa days for your minimum payment to reach Capitol One. ® At Yew Servka 1401,01134M To cel Ontarrar Rekaorre a b repM a bsl arabbn cord ® Saw pwpwft in: Capital One WUSAJNA • P.O. Bor 70BS4 - Ch tide, NC 28712-058/ A Said Ingekiee to: Capital One, P.O. Bet 3095 • Sol Lela City, UT 84130-0285 ® Has a quea0on about a dwell on you shterRadt Pietas refer to the Big RON Summary on the lady of your statement or visit wwwordolonercoreekloades PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MARE YOUR PAYMENT ONUNE. cwiwow I what's in your valet?' 0 4305722158314370 01 6198610185000367009 New Balance Minimum Payment Due Date C$6,198.61 $367.00 Mar. 26, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One 9k(UTA),NA (rllrlllrlrlrlllrlltll P-O- Box 70Aa4 Charlotte, NC 28272-0884 IaLIIn6uLII1lrLdr)ILr/LJIL111drdLlLdldLtdl Account Number. 4305-7221-5831-4370 Plsw print address or phone number changes below mirg blue or black ink. Aabtew Moore Fhom Almvnaro /Prague F/aaPulr?f di 89006282954685375# MAIL ID NUMBER JOSEPH " 71L POPP LAR Ra NEY CURBERLNa, PA 17070-3427 IN 1111111111111111111111111111 hill else 111111 Belief 1111111 Isle EXHIBIT A Please write your account number on your Chad( or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the endosed envelope. cq?7h? wlraCs ?n yorer wallet? LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One" we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.7070. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. O 2008 Capita! 0w Servrca, 1w. Capita! Oar it a, fAwdy naiam d mvi r mark AifrOft nserwat FINANCE Previous Balance Parvenu 6 Cmlb CHARGE Transactions New Balance Minimum Payment Due Dare $8,198.61 $0.00 + $133.96 + $39.00 $6,371.57 $558.00 Apr. 26, 2008 Mar. 02, 2008 -Apr. 01, 2008 Page 1 of 1 MM uwaZ9mssNamW Vin Platinum Account You're behind by two payments. Let's talk. If you're having financial difficulties and can't make your 430472t1d1$1143T0 minimum payment • we went to help. Lets work together to find a solution that works best for you. Give Your Account Information us a call at 1.800.955.7070. TOTAL CREDIT LINE $7,500.00 Pa1mlente, Credits & Adlustments TOTAL AVAILABLE CREDIT $1,128.43 CREDIT LINE FOR CASH $7,500.00 Transactions AVAILABLE CREDIT FOR CASH $1,128.43 1 26 MAR PAST DUE FEE $39.00 Inane Charges (Please we mom for important intonation) Balance rab Pw*& Corresponding FINANCE applied b rate APR CHANGE Purdweer $6,271.91 0.06890% D 25.15% $133.96 Cash $0.00 0.03890% D 25.15% $0.00 ANNUAL PERCENTAGE RATE applied thin perlcd: 26.15% ® At Your Service 140040.144 To od Quasar Reliora r b rapW a bd cr dsbn card 0 Bend paynne me to: Capad Ore Bk(LUINA • P.O. Bar 101N • ChrbW, NC 21IIM4911 A Send lrqutrtesto: QOW Onr P.O. Bon 30285 • Sal ale Ory, UT 8413MM ® Have a quaafbn about a charge on your Wtraeat7 Please reter b the Big Rob Summary on ft back of yes statement or visit Under terms previously disclosed to you, some or all of your Annual Percentage Rata (APRs) have been irneraaed since your account was pat due twice in the pat 12 Wig cycles. If your rates hew she* .-reseed, subsegssM do n luenciee extended the duration of the increased rates. Remember: If we receive you minmum monthly payment on time for 12 consecutive bung cycles, this account we be reviewed for a possible return b you Non-Introductory APR. You area valued Payment Protechm cwftw and may be e%kie for bwwfts b be pate! te your account pa 0u teas of yea Psyment Prdadion agrearmot If you have arrpaieced an eligible lose event, plane al SWnebridge Bereft Services at 1-11811W41904 town N you situation qualifier for benefis. Your account is 60 days pat due and you coverage will be suspended if it reaches 90 drys pat due, a stated in your Payment Probdion agreement. You ware aaeiesad a pat der tee became you nu mum payment won not received by the due date. To avoid this tae in the krka, we recommend that you arose at sat 7 business days for your minimum payment to reach Capita One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ?.?..aam?a 0 4305722158314370 01 6371570185000558003 M7ielo e^ I whers N yaw weaeq' Account Number. 4305-7221-5831-4370 New Balance Minimum Payment Due Date Heete Print address or phone number dungn below uskq blue or Mad Ink. C$8,371.57 $558.00 Apr. 26, 2008 Addeo PLEASE PAY AT LEAST yAnrro psa w AAWFM a /P,anv THIS AMOUNT' Amount Enclosed #9009382954685370# MAIL ID NUMBER JOSEPH P NCCANN 136 POPLAR RD Capital One Bk(USA),NA Irlrrlrrrlllrrlllrrrll NEW CUMBERLND, PA 17070-3427 P•0• Box 70884 Charlotte, NC 28272-0984 Inrlllurlllnrlnrlllunrllnlnlu111if I lnrllallfill III l lulrllrrlurlrllwlulrlllurlulrlululullulnlnllnrll EXHIBIT A Please write your amount number on your shed( or money order unlade payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. JOSEPH P MCCANN wNars In your welretT MAKE A PAYMENT. AND TAKE CONTROL sooot0 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. ® 2008 Capad Oars Smwec I= Capital Oar it a feAerwLy njutered Ann= mari4. AM nabs rrse NANCE Transactions New Balance Minimum Payment Due Dab Previous Balance Payments & Credits FI $6,371.57 $0.00 $754.00 May. 26, 2008 0.0 + 5133.19 + 539.00 ?-$6,543.78 ?? Com Apr. 02, 2008 - May. 01, 2008 Page 1 of 1 ' s Via Platinum Account 430&rM4IM4VO Your Account Information TOTAL REVOLVING CREDIT LINE $7,500.00 TOTAL AVAILABLE REVOLVING CREDIT $958.24 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $958.24 RM IIM AT LUST Ties AWgMr You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your slatement If you're having financial difficulties and you're feeling overwhelmed . we want to help. Give one of our associates a cal at 1200.955.6600. You'd be surprised what we can do together to work this out. Payments. Credits & Adlustments Transactlone 1 28 APR PAST DUE FEE $39.00 Flnance Charges (Plisses see revere for important irlbrme5on) Under terms previowy diedaed to you, some or all of your Annual Percentage Rates (APRs) haw been increased since your account was pat due hrics in the peg 12 biting cycles. If your raise have already Balance rate Penodo Cwaepondrp FINANCE increased, stbo quent delinquencies ecMnded the duration of ft increased retse. Remember: If we applied to rate APR CHARGE recetw your minimum monthly payment on time for 12 consecutive bilfing cycles, this eccoilnt will be Purehssss $6,443.43 0.08890% D 25.16% $133.19 reviewed for a possible rehan to your Non•Mtroducl ry APR. Cash $0.00 0.08690% D 25.156 $0.00 You were assessed a peat due be because your minimum payment was not received by the due date. To ANNUAL PERCOUAGE RATE applied this period: 16.16% evad to fee in the future, we recommend that you allow at least 7 business days for your minknum payment to reach Capital One. ® At Your 0errla 1400.003-3077 To al Qarlomarr Role- or to report a 63- or stolen card ® Bend prymanb to: Captal On Bk(USAINA - P.O. Bss 708M • Cheri NC 28272MM ® Bend Inquiries to: Gaped Orr P.a Bon 3106 • SAN Lele Ck UT 84130-OM ® New a g1mbn about a charye on your Nabawnl4 Please refer to 0W BON Rights Summary onto back of your statement or visit PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALDNE.COM TO MAKE YOUR PAYMENT ONLINE. cwiwow I ~sin your wslm?' 0 4305722158314370 01 6543760185000754005 New Balance Minimum Payment Due Date $6,543.78 5754.00 May. 26, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bk(USA),NA 1111111111111111111111 P•0• eoz 70864 Charlotte, NC 28272-0664 1u1111n111111111111n11111111111111n11111111111111111111111 Account Number. 4305-7221-5831-4370 14ess a print address or phone number changes below using blue or bled ink. 89012382954685375# MAIL IO NUMBER JOSEPH P MCCANN lt6 POPLAR RD NEW CURBERX, PA 37070-3427 1111111111111111111111111 1111111111111 1111111111 11 111 181118 EXHIBIT A Please write your aocount number on your deck or money order made payable to capital One OKUSA),NA and mail with this coupon in the enclosed envelope. JOSEPH P MCCANN TAKE CONTROL OF YOUR CAPITAL ONEO -MIT w,,,,teMyow ,? ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. Waiting on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. C 2008 Capital 0w Se wm, hu. Capital One it a frdensUy reaa&md .heroin rna4 AU rtaha rminurd FINANCE Previous Balance Payments i Credits CHARGE Transactions New Balance Minimum Payment Due Dab $8,543.78 - $0.00 + $144.59 + $39.00 $8,727.35 $955.00 Jun. 27, 2008 May. 02, 2008 - Jun. 02 2008 Page 1 of 1 e_- , Vin Platinum Account 4705.rM 9314370 Your Account Information TOTAL REVOLVING CREDIT LINE $7,500.00 TOTAL AVAILABLE REVOLVING CREDIT $772.65 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $772.85 Finance Charges p%ae see reverse for important information) Balance rob Periods Corresponding FINANCE applied b we APR CHARGE Purchases $6,623.19 0.08822% D 24.90% $144.59 Cash $0.00 0.06971% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this parted: 24.00% ® At Your Service 1800dOS= To at QMww Reaanw or b report a bat or dohn cad ® Sad payments b: Capita One BkO SAINA • P.O. Boa 70M - Charles, NC 282/2-0884 Sand In"Mn to: COW Orw P.O. Boa 30285 • Sat Law City, UT 114130-028$ ® Have a quesSm about a charge on Vow alagrnanl7 Pmu refer to the Biting Rights Summary on the beck of your statement or visit wovir.coottaknexprinklisculloo PLEASE PAY AT LEAST THIS AMOUNT You're behind by four payments. But you can still Wig your account current by paying the minimum payment amount on your statement. Need help? Give us a call at 1.800 955 8600 Well work together to find a solution. Palmtenb. Credits b Adiustmerlts Transactions 1 28 MAY PAST DUE FEE $39.00 Under terms previously disclosed to you, some or ¦ of your Annual Percentage Retie (APRs) have beau irsremsed since yaw account was pest due Twice in the pat 12 bi ll% cycles. If your Islas have shady increased, subsequent delinquencies extended the duration of the increased ran. Remember: If was receive you minimum mor" payment on time for 12 consecutive burg aides, the account will be reviewed for a possible return to your Nonwhtroduclay APR. You ware , - a past due fan because your minimum payment was not received by the due date. To avoid this tie in the future, we recommend that you allow as bat 7 business days for you minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4305722158314370 01 6727350185000955000 ?i(IQyJe' I what's In your wesaor Account Number: 4305-7221-5831-4370 New Balance Minimum Payment Due Date Hasasprintaddress or phone manwrchanges below using blue or him&irk $8,727.35 C$955.00 Jun. 27, 2008 "dMvn PLEASE PAY AT LEAST Abare Male A/nwaaar Mom THIS AMOUNT ELANNIT I' Amount Enclosed 1490155829546853778 MAIL ID NUMBER JOSEPH P RCCANN 336 POPLAR R) Capital One Bk(USA),NA Irlrnlrrrllltlrllnlnnl NEW CURBERLNa, PA 17070-3427 P•0• Box 70664 Charlotte-, NC 21111272-06A4 Itulllnrlllntlurlllwnllrrlnlulrllntlnrllrlluultll Irrlrllultulrllwlulrlllutlulrlnlrrlnllnlnlullurll EXHIIBIT A Please write your account number on your check or money order made payable to capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. JOSEPH P MCCANN 500012 ---z whaPalnyourwdht7 IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. Waiting on your tax stimulus check--and looking for a smart way to use it7 Pay off your debt and help bring your Capital One account back to good standing. You can make a payment with our ftig check by phone service or speak to an associate by calling 1.800.955.6600. 0 20014 Crpi d One Servuw, Inc. Crpitri Ora it r faknsll Prduaral err vw aaPE. AU ngW reamed FINANCE Pr WWA Balance Payments ark credit CFt/Jt0 Tramsdiom Mew Balance Minimum Payment Due DWA $8.727.35 - 50.00 + $134.50 + $39.00 $6,900.85 $1,162.00 Jul. 26, 2008 Jun. 03, 2008 -Jul. 01, 2008 Page 1 of l . r=' Visa Platinum Account 4308d2414MAVO Your Account Information TOTAL REVOLVING CREDIT LINE $7.500.00 TOTAL AVAILABLE REVOLVING CREDIT $598.15 CREDIT LINE FOR CASH $7.500.00 AVAILABLE CREDIT FOR CASH $599.15 Finance Charged (Please in reverse for hpwW infon. lion) Melaticerate Palo* Corresponding FINANCE applied to fate APR CHARGE Purchases 55,798.72 0.06022% D 24.90% $134.50 cash 50.00 0.06522% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied thls period: 24A0% ® At Your Bervke 1-80040344 ToereOrYmnrR 1 1, earbrapodabaranYncard 0 Bmd Payawea to: Opaal One BWIISAiNA - P.O. Boa 70eM - Owblre. NC M72ABM A Bud Mgahias to: ON" Orw P.O. Ilm 302215- Sat Lds Cty, UT 84IM4 21f ® Hm a quesdm about s charge on yow ddwAu r Please toiler b the ailing Rights Summary on the bade of your sbilamsd or visit winaxacillelonecomAdisculas PLEASE PAY AT LEAST THIS AMOUNt You're behind by five payments. Webe permanently revoked your charging privileges. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed, call us at 1.000.955.6600. We'll work with you to resolve this matter. Pamtatts, Credits a Adlustments Transactlone 1 27 JUN PAST DUE FEE $39.00 Under lens previously disclosed to you, some or all of your Amur Percentage Rates (APRs) have been increased since your accohnt was put due haice in the put 12 billing rycbe. If your rates have she* isxeued, nbest; sM delinquencies ulended the duration of the' , -- - On. Remember: If we receive your minimum morntty payment on Ones for 12 coaechitive bilig cycles, this; account will be rwiewed for a pcesids return b your Non•inkoduciory APR. You were assessed a pat due fie because your minknurn payment was rod received by the due dale. To avid this be in the futon, we recommend that you slow at West 7 bushsas daps for your minimum paymed to reach Capital One. PLEASE RETURN PORTION BELOW VWK PAYMENT OR LOG ONTO W W W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4305722158314370 01 6900850185001162005 ow I ~sin your vAAM?' Account Number. 4305-7221-5831-4370 New Balance Minimum Payment Due Date Please pint address or phone number dangae below using blue or bladL ink. $8,900.85 $1,182.00 Jul. 26, 2008 Ad*M PLEASE PAY AT LEAST 740me +ypraa A/arnra ATarae THIS AMOUNT 0 Amount Enclosed , #901848 MAIL ID NUMBER JOSEPN P RCCANN )3L POPLAR RD Capital One Bk(USA),NA Irlarlsalalllsarlrrlrl NEW CURBERLND, PA 37070-3427 P•0• Box 70AAV charlotte, Nt 28272-OA64 Imlllnrlllurlurllluurlln6rlulallrulurl611uulrll EXHIBIT A !nlrllnlurlrllaululrlllurlulrinlnlnllululnlluall Please write your account number on your Chad or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. JOSEPH P MCCANN --;70 NOT PAYING YOUR DEBT 500°" CRW aeberaInywarw&%t? 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 ftg check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you cal or pay the amount due an your statement by the due date to eliminate the risk of being charged off. 0 2008 Caoiaef One Snvkm lire. Caoird Oae it a fedenrry rvdka d mrvia xavk AO,KM„rrerv d FINANCE Prwlaa Balance Payments i Crodib CF1ARpE Transactions New Balartce Minimum Payment Due Data $6,900.85 $0.00 = + $147.63 + $39.00 $7,087.48 $1,374.00 Aug. 26, 2008 Jul. 02, 2008 - Aug. 01, 2008 Page 1 of 1 Via Platinum Around 4305-TW413141370 Your Account Information TOTAL CREDIT LINE $7,500.00 TOTAL AVAILABLE CREDIT $412.52 CREDIT LINE FOR CASH $7,500.00 AVAILABLE CREDIT FOR CASH $412.52 PLEASE PAYAT LEAST THIS AMOUNT You're behind by six payments. If we charge off your account due to late or missed payments, finance charges will continue to accrue. Ad now to prevent this from happening Please pay the minimum payment amount on your statement or give us a call at 1.800.955.6600. We're here to help. Take control of your credit with Capital One. -Important Nola" Under the terms we previously disclosed to you, your oomrd is now eligible for an increase in Annual Percentage Rays (APRs) eRective immerl'slely. However, Capital One has elected not to hales your APRs al the time. Pbese be advised thal N you fall to keep your account in good standing, Capita One reserves the night braise your APRs in the tukee FInmee Charges Meese see reverse for knporw inrormafia) Belehas hale Periodle Canaapnhdkp FK4NCE applied to rats APR CHARGE Purchases $6,980.74 0.08822% 0 24.90% $147.63 Cash 50.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 24AO% ® At Your Service -0obRt M10N-Wyoura??a?s, errCat1am01= b report a bM or abort card or WIA b OAAW r RalMae ® Payonibed ormdyowpoyrnadb: CAPM One Bet (USAJ N.A • P.O. Bak 70 M • Clrbtle, NC 211272-011114 Sand Iaqubiss to: A Orpeet Ora P.O. am MM • Sal Lake sly, yr 841m4m is Have a gwdon about a charya on yaw statsaaall? Peses roller b le Billing Rights Summary co the back of your statement or visit Pavirke lts. Credits 3 Adiustments Transactions 1 26 JUL PAST DUE FEE $31.00 You war* assessed a pat due fee because your minimum payment was not received by the due dots. To avoid tine be in the future, we recommend that you slow at lent 7 business days for your minimum payment to reach Capita One. PLEASE RETURN PORTION BELOW WrTH PAYMENT OR LOG ON TO W W W.CAPFTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4305722158314370 01 7087480185001374008 C.'t Hak)w I whets In yaw waft?* Account Number. 4305-7221-5831-4370 New Balance Minimum Payment Due Date 57,087.48 $1,374.00 Aug. 26, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank (USA), N.A. P•0• Box 70884 Charlotte, NC 28272-0884 Ilbpnnl'y'IllllrtllllPlhhlhllluhll•Il'I'uhl'nllrll Pease print address or phone number charges below using blue or black ink. Aablm #9021582954685379# MAIL IO NUMBER JOSEPH P RCCANN 116 POPLAR RD NEW CURBERLND, PA 17070-3427 (I"111'11'111'illl'Illrrl.lllrl'111I111111"III"'III1111111"II EXHIBIT A Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOSEPH P MCCANN ? Y CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JOSEPH P MCCANN Defendant(s). AFFIDAVIT The undersigned, being duly sworn, makes the following oath: 1. I am over 18 years old and competent to make this affidavit. I am an authorized agent of Plaintiff CAPITAL ONE BANK (USA), N.A. ("Capital One") for purposes of this affidavit. I am duly authorized to make this affidavit, and because of the scope of my job responsibilities, I am familiar with the manner and method by which Capital One maintains its normal business books and records, including computer records of defaulted accounts. 2. These books and records are made in the course of regularly conducted business activity (1) at or near the time the events they purport to describe occurred, by a person with knowledge of the acts and events, or (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs. The contents of this affidavit are believed to be true and correct based upon my personal knowledge of the processes by which Capital One maintains its business books and records. 3. The books and records of Capital One show that Defendant(s) opened an account with Capital One for the purpose of obtaining an extension of credit and did thereafter use or authorize the use of the account for the acquisition of goods, services, or cash advances in accordance with the Customer Agreement governing use of that account. Further, Defendant(s) has/have breached the Agreement by failing to make periodic payments as required thereby. 4. The books and records of Capital One show that Defendant(s) is/are currently indebted to Capital One on account number 4305722158314370 for the just and true sum of $8643.45 as of 06/04/2009, plus interest accruing from said date at an annual percentage rate in accordance with the Customer DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENT Agreement, currently 24.90%, and that all just and lawful offsets, payments, and credits have been allowed. The Customer Agreement entered into between the parties also authorizes Capital One to recover from Defendant(s) reasonable attorneys' fees and costs to the extent permitted by law. 5. Post judgment interest will continue to accrue on Defendant's(s') indebtedness at the rate authorized by law and as set forth in the judgment order. 6. I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I would competently testify, under oath, thereto. Given under my hand on: Dated: -ep Michele an ce County of Chesterfield, to wit: Commonwealth of Virginia SUBSCRIBED and sworn to before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by Michelle Lance, who acknowledged before me his/her signature to the foregoing Affidavit. GIVEN under my hand and seal this 7 day o 4 Notary Public Notary Registration Number: My Commission Expires: _ / / 20 %-Y NN N _ X01 NOraRY"?•LYci? s Pl16 JC -.b • ate. RED#7231644 12 C-) MY COMMISSION = Q = EXPIRES • ' -I N'0803112012 ?2? ZLTH..?'' CMIrflowism of %&9W8 Pamele Lynn Nelson - Notary RMc Commission ID: 7231644 Ay Comic m Eipkw 001012 A088 f CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JOSEPH P MCCANN 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 ri7 Dated: 1Z Michelle Lance A088 HAYT, HAYT & LANDAU 0 -_Y? < I f:lug Ft J+J ` F 1ji a U, $'18.50 p t, AIW M* `l a4s5 e aas9s? ., HAYT, HAYT & LANDAU BY: ARTHUR LASHIN IDEMIFICATION NO. 23425 SIXTH FLOOR 400 MARKET STREET PHILADELPHIA, PA 19108-2508 IA.d c% dM_4IM ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY CO U1R T OF COMMON PLEAS CIVIL DIVISION TERM. N 09-5539-Civi-1 Term PRAECIPE TO DISCONTINUE WITHOUT*PREJUDICE TO. THE PROTHONTARYe Kindly discontinue the above captioned matter Vitboitt prejudice. FILED--OffiC E OF THE P t '-,,H0Ntl0-IARY 2004 SEP -Z PM 3, 1 PBNINSY Mfl 'il1-